We can offer expert mortgage advice
We can advise you on a large range of mortgage products whether you’re a first-time buyer, seasoned homeowner or a landlord at any stage of experience. You might also be looking to remortgage or take advantage of a Help to Buy scheme. Our experts can help you get the right mortgage to suit your individual needs.
With our wealth of experience, we can overcome any obstacle you may face, including but not limited to being self-employed or having adverse credit on your files.
Mortgage advice for first time buyers
Buying your first home can be a very exciting albeit daunting experience which is why it is important to get the right advice at the very start. There are many different mortgage products to choose from so it is important to get the solution that best meets your needs.
To help you to make the right decision we have put together our Top Tips for first time buyers.
Advice for home movers
When thinking of moving there are a number of different things you’ll want to keep in mind, our experts can help compile an exact list however here’s a brief list;
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Discover how much your home is worth
Speak with our Experts and get an accurate valuation on your home
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Find out how much you can borrow
We’ll take you through an affordability calculation to find out how much you can borrow.
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What are your new payments likely to be
Using our indicative mortgage system, our experts will give you an idea of what your payments will be.
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Have you considered any additional costs
Selling fees and other fees such as conveyancing and stamp duty. These costs should be considered when thinking of selling, especially if this is your first move there will be more costs involved. Even a newly built house will require some sort of furnishings, whereas older properties may require extensive work, such as re-flooring, tiling or renewing the wiring.
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Speak to an expert
Speak to one of our experts to get a moving plan put in place!
Remortgaging
Your existing mortgage deal may be coming to an end and your about to move onto the lenders standard variable rate which could result in an increase in your monthly mortgage payments. Being on the lenders standard variable rate will mean your payments are not fixed, which may make it harder to budget month to month.
You may be tempted to stay with your existing lender, however it is important to remember they will only be able to tell you about their mortgage products. There could be a better option for you with another lender potentially saving you money.
Remortgaging before your term ends could potentially save you money by switching to another deal or another lender. There are plenty of reasons why you might want to consider a remortgage, perhaps you want to cover the cost of home improvements or pay off more expensive debts.
We can also help with remortgaging any BTL (Buy to Let) properties.
Our experts will ensure your remortgage goes smoothly.
Buy to Let Mortgages (BTL)
Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant(s).
How do buy to let mortgages differ from residential mortgages?
Interest rates are usually higher on buy to let mortgages compared to residential.
Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.
Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured.
We can help you arrange a bespoke buy to let solution that’s tailored to you.
Call our expert team today to find out more.
The Financial Conduct Authority does not regulate most Buy to Let Mortgages