A mortgage is probably the biggest financial commitment most of us will take out during our lifetime
MORTGAGES
When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact me for information about different types of mortgage loans and I’ll be happy to explain them and help you find one that suits your needs and preferences.
Whether it be a fixed rate, a tracker rate, a discounted rate or any other type of rate we can help. Even if you have had previous credit problems we may still be able to arrange a mortgage for you. We treat every client as an individual and will structure a mortgage to your individual needs
FIRST TIME BUYERS
So this is your first step on the housing ladder!
Make sure that you take the right advice from the outset and take advantage of the expertise we offer in finding you the right mortgage now and in the future. Incentives are available through the government and housing associations that can assist you in the purchase of your first property. These schemes may help you if you have a limited deposit, but there may be other ways in which we can assist you, including using family members.
Each step of the process will be explained to you and we will liaise with the recommended lender, solicitor and estate agent, allowing you to get on with your life. We take all the stress out of the home buying process and will even put in your offer (if required) and then complete the initial mortgage application and follow it through until completion, when you finally get your keys to your first property.
HOMEMOVER
So you have decided to move property?
You have lived in your 2 bed terraced house and are now looking to move to that three bed semi around the corner, or could you stretch to your dream four bedroomed detached!
It may be that you think the four bedroomed detached is out of your reach? Well it may be more affordable to you than you think. By utilising our expertise we may be able to make that dream a reality!
You know the home buying process and don't really need your hands held through this but are wondering if your current situation would allow you to stretch to that four bedroomed detached. Your current lender or bank have told you what the maximum is you can borrow, but it is just not enough. Not all banks and building societies use the same method of calculating the maximum amount you can borrow.
We are whole of market advisers and can save you the leg work of going to one bank/building society after another only to get the same answer. This could also have an adverse effect on you obtaining credit as each one will do a credit check on you.
We appreciate the above scenario doesn't apply to everyone and everyone's situation is different, but you may be experiencing problems getting the mortgage you want due to adverse credit information or the way your income is made up.
Let us take a look at your situation and see if we can achieve your end goal.
REMORTGAGE
Your current mortgage rate is coming to an end
We will take the hassle of you looking for a new deal. Whether that be with your current lender, as we have an obligation to look at this firstly, or if a new lender will offer you a better deal.
You want to borrow extra monies to carry out home improvements, repay some outstanding debts*, buy another property or help your children financially. We are able to look at this for you.
Whether a remortgage is the answer, a further advance or a second mortgage we will look at the options available for you and make a recommendation based on your current circumstances and what we feel is the right way for you to proceed.
We can scour the whole of the market for you and use our expertise to advise you of your best options.
*You should think carefully about adding existing debts to your mortgage as this could result in you extending the term of these debts, therefore paying more over the long term.
BUY TO LET
Experienced or First Time Investor
Whether you are an experienced buy to let investor, looking for your first buy to let property or contemplating renting out your current home so you can move to another property without selling, we have the expertise and experience to help you in all of the situations.
As we are able to access the whole mortgage market we feel that we can assist you in finding the right finance option to fit your personal circumstances. We deal with all of the following
First time landlords
Experienced landlords
Limited companies
Houses of multiple occupation
Holiday lets
Let to buy (when you are not looking to sell your current property to purchase another one)