Mortgages

Mortgages

In an ever-changing market, it is important to consider all of the options available to you when searching for your mortgage.

Our advisers have access to the whole mortgage market and will use their knowledge and expertise to recommend a mortgage that is right for you.

We are experienced in helping a wide range of customers with their mortgage needs, so whether you are a first-time buyer, home mover or a property investor, our team of experienced advisers are ready to help.

First-time buyers

Buying your first home is an exciting time, but with so much to consider it can feel a little daunting. 

We are here to guide you through the whole process. Initially, we will answer any questions you have about the process of buying your first home, determine how much mortgage borrowing is available to you, and also talk you through the associated costs and fees involved in buying a property.

Once you are ready to start viewing properties, we can arrange an agreement in principle for you, putting you in the best position to make an offer on a property when you find your dream home.

When your offer is accepted, we will advise you on the best mortgage options available to you and apply to the lender on your behalf – helping reduce the stress involved with buying a home. We are also happy to assist you with a recommendation for a local solicitor and surveyor if required.

Home movers

Moving home can feel stressful, as you usually need to balance selling your property and buying your new home at the same time. A big part of moving home is arranging your finances. We are here to help with this.

There are many questions you may have about moving home. These may include;

• How much can I afford to borrow?
• What will my new mortgage repayments be?
• What are the costs involved in moving home?
• Which estate agent or solicitor should I use?
• How long does the process take?

Initially, we will answer any questions you may have and research the market and recommend the right mortgage deal available to you.

Between us we have many years of experience within the property industry, so are happy and well-equipped to advise you through the whole process.

We can also help if you are tied into a mortgage deal with your existing lender and are looking to transfer this to your new property.

Remortgages

Your mortgage payments are most likely your biggest monthly expense, so it is important to find the right mortgage deal to ensure that you’re not paying more than you need to.

With access to the whole mortgage market, we will compare the different rates available between lenders and recommend the best option specific to your circumstances.

Here are some examples of why our customers have used our remortgage service;

• Switching to a new lender to get a more competitive rate
• Releasing funds for an extension, loft conversion or other home improvements
• Pay off unsecured debts
• Release funds to help a family member buy their first property

We will compare what interest rates your existing lender will offer, as well as the offering from other lenders to make sure you get the best overall deal.

Buy to Let

As well as residential mortgages, we also specialise in Buy to Let mortgages. 

A Buy to Let mortgage is specifically for people who are buying a property or own a property that will be let out to tenants. 

Arranging a Buy to Let mortgage can be very complex as there are many areas that lenders consider when assessing an application. Our experienced advisers will help you through the whole process and answer any questions that you may have.

Whether you are looking to buy your first Buy to Let property, looking to add a property to your existing portfolio or have a Buy to Let mortgage deal you would like to review, we are here to help.

 

 

We may charge a fee for our service which is payable at the time of submitting a full mortgage application. Typically our fee is £495 but can differ depending on the complexity of the case. The fee is fully refundable up to the point of a mortgage offer being issued. We will provide a free initial consultation and explain exactly what you will be charged before you decide whether to proceed.