Mortgages

With years of experience of helping first time buyers, we will aim to simplify the whole process for you:  

• We will listen to what you need, and will guide you through the initial steps.
• Discussing all the different types of mortgage options available, and identifying the products that are suited to your individual needs.
• Checking your income and outgoings to work out how much you can comfortably afford to borrow now, and how you’ll manage in the future if there’s a change in circumstances or if mortgage costs increase.
• And above all, supporting you throughout your entire homebuying journey.

We can also get you an “Agreement in Principle” from a mortgage lender, so you can go house housing knowing that your mortgage is provisionally approved.

So, when you are ready to proceed, you will be fully informed of the process, and be in the best possible position to buy when you find your first home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

• A first meeting to help you work out the costs of moving, calculating how much you need to borrow and how much you need to keep back for costs and fees.
• Comparing the advantages of staying with your current lender, with the rates and deals available from other banks.
• Choosing the most suitable option by either “porting" your existing mortgage to the new property or recommending a new mortgage product.

As an existing homeowner, there is probably a much wider choice of lenders and rates available to you now than you had as a first-time buyer, thanks to factors like having a better credit score, or a much larger deposit.

We can search thousands of options across the market ensuring you get the most suitable product for your circumstances. Our advice is completely free*, and our aim is just to help make your move straightforward and as effortless as possible.

* initial consultations are completely free of charge. There’s no obligation to proceed and our broker fee will only become payable if we proceed to a full application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The criteria for buy-to-let lending has changed substantially in recent years, and we are here to guide and advise you through its complexities and ensure that you maximise the return on your investment whether the property is held in your name or through a limited company

We have access to lenders from across the market, who specialise with smaller landlords owning between 1-3 properties, as well as Portfolio Landlords owning 4 or more.

The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

We can also explore additional borrowing to cover expenses such as home improvements, a new car, a buy to let property investment, or even to help a family member with a deposit for their first property purchase.

Our advice is completely free*, so you have nothing to lose by seeing what we can find for you.

*Initial consultations are completely free of charge. There’s no obligation to proceed and our broker fee will only become payable if we proceed to a full application.

Think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up the repaymemts on a mortgage or other debt secured on it.

And once you have taken on extra borrowing, paying it back is easier said than done.

But there could be ways to reduce your monthly costs and keep on to track by consolidating some or all of your debts into your mortgage and having one single manageable monthly payment.

However, whilst reducing your monthly outgoings may appear to be an attractive option, there are many other things to consider, including:

• By adding loans and other credit commitments to your mortgage, they would be secured against your home. You would therefore be putting your home at risk if you were unable to keep up with the increased mortgage costs.
• Increasing your mortgage to clear your debts would reduce the equity in your home, meaning that future mortgages could be harder to obtain, and potentiallu more expensive in price.
• Extending a short term loan across the term of your mortgage could increase the total amount of interest you would have to pay back.

Our Adviser will explore all of your available options, based on what you currently owe, and what interest rates you are paying on each credit agreement. We may find that debt consolidation is not appropriate for your circumstances, or that only clearing some of your commitments would be a better option than clearing all of them.  We will guide you with complete integrity and pointing out both the advantages and disadvantages, and will only recommend options which are appropriate for your circumstances.

You should think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it

Many lenders now require increased documentation from you and your accountant to prove your income. And since the pandemic, a large number of lenders have also increased the minimum deposit for self-employed customers, compared to deposits required for employed workers.

However, we can help explore the choices available, to ensure you can access to the most suitable products and options available for you. Our expert advice is completely free*, so why not give us a call to see how we can help.

* Initial consultations are completely free of charge. There’s no obligation to proceed and our broker fee will only become payable if we proceed to a full application.

Your home may be repossessed if you do not keep the repayments on your mortgage.

There are many high street banks that could be available to those with historic credit blips. Some lenders might not use credit scores at all, preferring instead to look at an individual’s personal circumstances.

With years of experience helping people with credit issues, we will always look at your situation sympathetically and advise you on the right options for your needs and circumstances. 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Shared ownership is where instead of buying the whole property, buyers who meet eligibility criteria can buy a stake (usually between 25% and 75%) of the property value, and pay rent on the portion they don’t own. You still need to find at least 5% of the share youre buying, but it does enable people to get on the housing ladder with a smaller mortgage and deposit

If you need advice on a New build or shared ownership mortgage, please contact us for an appointment

Your home my be repossessed if you do not keep up repayments on your mortgage.