Providing Personal, Tailored Advice For All Your Mortgage Needs...
Your mortgage could easily be your single largest financial commitment so it is essential you make the best choice. Few home buyers have access to the full range of products and options, or are familiar with the intricate technicalities of certain mortgages.
Arranging your mortgage yourself on the basis of interest rates alone can leave you exposed to many hidden charges that only emerge when it’s too late to change your mind. Instead, we can help you to reach the right decision, based on your unique circumstances.
We have specialised in providing tailored, personal advice for many years. We assess hundreds of potential mortgages before recommending the right one for you. We go beyond the headline rate to consider all aspects of the product.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.
We are also experienced in helping landlords with buy-to-let and investment mortgages and in arranging mortgages for holiday homes or second properties.
We deal with the paperwork and liaise with lenders on your behalf. We know who to contact and how to find them quickly when speed is essential in securing the property you want.
We are committed to ensure you experience a smooth process with a high-quality service, all from an advisor that you can trust.
Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority
Moving Home ...
If you are looking to move home, not only do you have to think about the property you are buying, but in many cases you will need to sell a property at the same time. This can be a very stressful experience as you will also need to think about all the costs involved such as lender fees, estate agent fees, legal fees and stamp duty.
We can help you through this process by working out your budget going forward, breaking down your costs to sell and buy, and establish how much you can borrow to buy your new dream home.
With our access to a comprehensive range of first charge mortgages from across the market, including exclusive mortgage rates, we will find the right mortgage to suit your needs.
We will:
- Find the right deal for your needs, whether you’re upsizing, downsizing or relocating, we have access to the whole of the market of mortgage lenders
- Identify the most beneficial terms, considering fixed or variable rates and product periods.
- Deal with all matters on your behalf.
First Time Buyer ...
As a first time buyer, the range of options available can be daunting, therefore we understand that it is vital to consult with professionals you can trust. We are experienced to help first time buyers take their first steps on to the property ladder.
Typically, first time buyers will have a relatively small deposit towards their mortgage, however there are mortgages and government-backed initiatives, such as Shared Ownership or Help To Buy schemes which allow you to get a mortgage with as little as 5 percent deposit.
We will help you:
- Understand the costs of buying your first home
- what deposit you will need
- how much you can borrow
- how much your mortgage payments will be
- how much stamp duty you will pay
- Find the most beneficial terms for your needs, e.g. some lenders offer cash back
Remortgage ...
The process of remortgaging is simply arranging a new mortgage on a property that you already own. As most mortgages offered by lenders include an initial deal that reverts to a higher variable rate after a defined period of time, this may be the motivation for reviewing your options simply to obtain a more appealing interest rate.
Additionally, remortgaging can also provide the perfect opportunity to make changes to your mortgage arrangements such as;
- Raising funds (to carry out home improvements, purchase another property, purchase a car).
- Consolidate debts to reduce the financial burden of payments each month.
- Changing your term (to meet your budget and keep your payments affordable)
- Adding or removing a party to the mortgage.
- Replace your current interest rate if you are within 6 months of your current deal coming to an end.
Buy To Let ...
Years ago it was much more difficult to get a Buy To Let mortgage than it is today, as they are now focused more on the investment property and how it may perform rather than your personal circumstances. As the market has evolved, these types of mortgages are now common place irrespective of you purchasing your investment property in your personal name or in a limited company. With an experienced mortgage advisor to guide you through the process, it can be easier than ever to get a Buy To Let mortgage.
Buying a property to rent out is now quite an attractive prospect and can pay great dividends in the long term. As such, whether you are a first-time landlord, a portfolio property owner or someone looking to let out a Home in Multiple Occupation (HMO), it’s likely that lenders will have a mortgage product to suit your needs. However, finding exactly the right mortgage can be a challenge, and getting the correct advice can be as important as finding the best property.
Interest rates and fees on a Buy to Let mortgage differ from those for a standard residential mortgage, as do the criteria lenders use to determine if and how much buyers can borrow. This is typically based on the property in question but also includes the borrowers circumstances and any other properties they borrower may have in the background.
Anyone who has a buy to let mortgage where their initial fixed or tracker rate has come to an end could achieve significant reductions in their monthly mortgage payments by finding a new deal. This could be with their existing lender (rate switch) or with a new lender (buy to let re-mortgage).
We can:
- Check your eligibility
- Compare deals
- Help investors considering Limited Company Buy to Let
- Help with Houses of Multiple Occupancy (HMO) rental / Multi-Let
