Here are a list of mortgage services we provide.
Stepping on the property ladder as a first-time buyer can be very daunting with the complexities of the buying process. We are here to make it a walk in the park for you and to help you to your dream home stress-free.
We pride ourselves to giving you an enriching customer journey from initial enquiry all through to completion and collecting your property keys.
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.
We can help you:
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.
Interest only mortgage allows you to pay the interest only on your mortgage for the term of the loan. You do not have to repay the capital until the end of term. We provide you with some of the best advice and insight you can get with respect to interest-only mortgage.
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.
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.