Mortgages

First Time Buyers

We have helped countless people buy their first home. Do you:

• Need to know whether you can obtain a mortgage?
• Need to know the maximum amount you can borrow? (this can vary considerably between different lenders)
• Need to consider options to make the mortgage affordable?
• Need to borrow a large percentage of the property purchase price?
• Need a guarantor mortgage to help you get on the housing ladder?

Home Movers

Would you like help to:

• Find the most competitive mortgage deal from across the market?
• Find a lender who will look at you as an individual and decide how much you can borrow based on your circumstances, rather than base it on a simple multiple of your salary?

 

Remortgages

Would you like to:

• Check to see if there is a more competitive mortgage available from a different lender?
• Make better use of credit balances by having an offset mortgage?
• Raise money against the equity in your home?

Consolidate your existing borrowings to reduce your monthly payments?

Buy to Let Mortgages

We have been helping landlords find the best mortgages for many years and have great expertise in the buy to let mortgage market and can assist with all types of buy to let enquiries (subject to your status and the property in question) including:

• First time landlords
• Experienced landlords with multiple properties.
• Purchases and re-mortgages available to 80% of the property value
• Mortgages are available on properties above commercial premises and for ex-local authority properties
• Mortgages available whether your tenants are a family, students, have their rent paid by the DSS, or if you obtain your income from letting your property as a holiday home
• Fixed rates, variable rates and rates with no early repayment charges at any time are available

Self employed

Many lenders require you to have been trading for at least three years before considering a mortgage application.  But don’t despair if you are newly self-employed as some lenders will happily consider an application if you have been trading for 12 months or more

Credit Problems

Anyone can get caught out by life’s surprises. If you have any of the following, you should seek advice to help you find the best possible mortgage deal:

• Missed loan or other credit payments
• Defaults
• CCJ’s (county court judgements)
• Mortgage Arrears
• IVA’s (Individual Voluntary Arrangement) and Bankruptcy.

THE OVERALL COST FOR COMPARISON IS 8.7% APR. THE ACTUAL RATE WILL DEPEND ON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION.

Professionals

There are some specialized mortgage deals available if you are a solicitor, accountant, medical doctor, optician, dentist, teacher, pharmacist, actuary or veterinarian. Preferential mortgages rates at up to 90% of the value of your home are available (subject to status)

Non-UK Citizens

If you are a citizen of an EU country, resident in the UK, you should have no difficulty in finding a mortgage. If you are originally from outside the EU, many mortgage lenders require you to have indefinite leave to remain in the country.
However, some lenders will consider an application for a mortgage, subject to a minimum of 12 months residency in the UK and a minimum of 6 months remaining on your visa.

To contact us, please complete our mortgage advice enquiry form.