MORTGAGES

The moment you start looking for a property or considering a re-mortgage, we would love to hear from you.

First-Time Buyers

From the very first contact with us, we will help you understand the house-buying process, establish how much you need to save for a deposit and tell you how much you might be able to borrow.

Once you have found your dream home, we will guide you through the process, submit your application and liaise with the lender, estate agent and solicitor for a smooth transaction until you collect your keys and move in.

Homemovers

Whether you are looking to upgrade, downsize or move to a new area, we can help you find out what you can borrow and look at the costs of moving. We will help you get the mortgage you need at the best available rate. We will submit the application to the lender and liaise with them to make sure we get an offer, then support you with the process through to completion and picking up the keys.

first time

homemovers

Re-Mortgage

Is your initial two-year, three-year, five-year, or ten-year interest rate coming to an end or have you already transferred onto your current lenders standard variable rate? Perhaps you have been offered a product transfer from your lender and you want to see if there are any better options. We will help you to look at your options and determine whether you should move to a new lender or stay with your current lender.

Even if your circumstances have changed it is important to look at your options when your initial rate ends as you could be on a high interest rate that is costing you more than it should.

Maybe you would like to look at additional borrowing for home improvements or debt consolidation, we will assess affordability for you and advise whether you would be able to borrow anymore with your current lender or move lender to secure the extra money and look to get the best interest rate available to you at the same time.

Warning: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage- This will be taken into account as part of your review.

Re-mortage

Buy-to-let/ Let-to-buy/ Holiday lets

Investment properties have different lender requirements. Your income will be assessed differently so we will help you understand the income cover ratio needed to satisfy the lender and find you the best rates for your loan and personal circumstances.

We will advise you on the most appropriate lender, submit the application and liaise with them through to completion, keeping you updated on the progress.

We also have good connections with tax advisers and accountants who can help you understand tax liabilities and accounting procedures for owning such investments.

Warning: Not all Buy-to-Let Mortgages are regulated by The Financial Conduct Authority

buy to let