Re-mortgaging is paying off an existing mortgage on a property by acquiring a new mortgage with a new lender or with the current lender whilst you switch over your mortgage deals with them. In a simple term, you are ending your current mortgage and starting a new one with new terms. You may be able to make some savings by switching to another mortgage product with your current lender, reduce your mortgage term or increase your borrowing for other purposes.

Are you a first-time landlord, a portfolio landlord or you have built your property empire? We can help you to get the best deal in your Buy to let enquiries either as an individual or a limited company. We work with an extensive range of UK buy-to-let lender, many of which cannot be found on the High Street but are only accessible via a consultant like us. We also provide expert guidance on Rent to Buy arrangements.

Sometimes in life unfortunate situations like job loss, divorce, injury, or illness can negatively impact your overall credit rating. We work with lenders who will consider your mortgage application either you have default, CCJ, IVA, DMP or bankruptcy on your credit file. If your credit situation is not perfect and you have been declined from your bank, talk to us to see how we can help. We can get your mortgage application in front of a lender who will take into consideration your overall situation and entire credit history. In addition, we will offer you tips to help you re-establish your credit and get you back on track.

• What we can do for you :


• - We can get you some lenders that might ignore Mobile Phone or utility defaults.
• - We can get you some lenders that may accept defaults on some mortgage products.
• - We can get CCJ’s ignored with some lenders.
• - We can get lenders that will consider Debt Management Plans.
• - Mortgage Arrears accepted on some schemes.
• - Current Individual Voluntary Arrangement (IVA) considered

Are you a council or housing association tenants? You are likely to qualify for a right to buy or a right to acquire your property at a discounted price based on the number of years you have been a tenant with your landlord. This may mean you will not have to pay extra deposit to purchase your own home! How cool is that? We are experts in right to buy mortgages and will provide you with tailored advice and a suitable mortgage product. We will complete all the paperwork for you, dealing with the lenders at every stage of the process to ensure everything goes smoothly from start to finish.

• Expect from us to :


• - To carry out a detailed assessment of your income and expenditure to determine your affordability.
• - Arrange the most affordable, suitable mortgage to your circumstance and fits the lenders criteria.
• - Liaise with your estate agent at every stage.
• - Liaise with your conveyancer at every stage to keep track of things.
• - Get you straight to your dedicated Mortgage Consultant.
• - Get your work done whilst you can sit back and relax.

Finding a mortgage as a self-employed individual can be daunting, but it is undoubtedly not impossible. All lenders have different lending criteria, but majority will generally require minimum of two years of your account or tax calculations and overview. A consistent or increasing profit over a number of years, will help your application, as lenders look at average profits over a period of time to assess your risk profile. If your income varies dramatically from year to year, you might need to provide further evidence of future income. Find out with us how to improve your chances of having your application accepted.

Help to Buy may be a good option for you if you desire to live in a newly built home with the benefit of paying a little deposit of 5% value of the property towards your mortgage. We are an expert at arranging Help to Buy mortgages. We have helped many people to their new homes, and we can help you too without stress.