With the thousands of products available on the whole of market it is imperative that you gain advice from an expert. This is likely to save you money and time whilst providing you with the confidence of knowing that you have the mortgage best suited to your needs.
Residential
If you are looking to purchase a property to live in you will require a residential mortgage. With an unending list of lenders, offering thousands of products, with differing criteria and affordability, this can be confusing and overwhelming. Our experience ensures we are able to find the right option for you and recommend the most suitable product.
Buy-To-Let
If you are setting out to purchase a property to become a Landlord and rent out to a tenant you will require a Buy-To-Let mortgage. This type of mortgage has very different criteria with the affordability mainly being based on the rental income and each lender having individual underwriting requirements. As we can offer a whole of market advice service we will certainly be able to best advice you on the best lender and scheme for your individual needs.
The Financial Conduct Authority do not regulate Buy-To-Let mortgages.
First Time Buyers
We love First Time Buyers! Buying your first home is a huge milestone for everyone and we consider it a privilege to help you achieve this. First Time Buyers usually have certain benefits like smaller deposits and no stamp duty. We will be by your side for every step of the process, finding the best suited product and scheme for your needs, and explaining everything in simple terms along the way.
Remortgages
Re-mortgaging is when you move your mortgage to a new lender, usually when your current product is nearing the end of its scheme, to ensure you have another competitive scheme in readiness for the expiry of your current rate. This is a very simple process. Our expertise on advising you on the correct lender and product could save you thousands of pounds in interest payments.
Offset Mortgages
If you have significant money saved then an Offset Mortgage may be best for you. Your savings must be with a lender that offers Offset mortgages as they will use the capital to offset the interest charged against your mortgage, allowing you to benefit from significant savings in interest charges.
In addition to the above, advice is available for all types of mortgages including Let To Buy, Adverse, and Self Build mortgages.
Self-Build Mortgages
It must be everyone’s dream to build their perfect home and with the help of self-build mortgages it may be in your grasp. Self-Build mortgages are complex and technical mortgages which release money throughout different stages of the build. There are many components to a Self-Build mortgage such as securing a plot, lending criteria and securing a builder for the job but the benefits to building your own home are obvious.
Your home may be repossessed if you do not keep up repayments on your mortgage.