What We Do
There’s no ‘one-size fits all when it comes to mortgages and there’s certainly a whole lot more to it than just interest rates. That’s what we’re here for, we will help to guide you through the process and we’ll be with you every step of the way.
FIrst-time buyers
Buying your first home is an exciting mile stone in your life, but it can start to feel overwhelming as you navigate your way through the process. There’ll be a lot of new and unfamiliar terms thrown around as soon as you start looking at mortgages, but you don’t have to do it all alone, we’re here to help guide you through it. We want to cut through the noise and make the process as simple and stress-free as we possibly can.
Your home may be repossessed if you do not keep up with repayments.
You’ve been through this process before and understand how to process works, but the chances are, your circumstances may have changed since you moved into your last home or you may need to borrow more for the next purchase or perhaps you’re still in your fixed deal period. Instead of stressing about your mortgage arrangements, allow us to help so that you can actually look forward to the next chapter in your life.
Your home may be repossessed if you do not keep up with repayments.
Home MOvers
Remortgage
There are a few reasons why you may be looking to remortgage your home, perhaps your fixed deal is coming to an end or you’re looking to use some of the equity from the property to fund the extension you’ve always wanted. Whatever the reason may be, we can help to assess the circumstances and review the market to compare the options available to you.
There may be an early repayment charge to pay to your lender if you remortgage
There are a lot of factors to consider when it comes to buying a property as an investment, so its important that you are aware of the different ways to set up a buy to let mortgage. What rate of tax do you currently pay? Do you own your residential home? Have you owned a buy to let property before? Will you be purchasing through a limited company?
These are the sorts of questions that need to be asked to ensure that you’re getting the right buy to let mortgage.
So if you’re considering buying an investment property then get in touch and we’ll be happy to chat!
Not all buy to let mortgages are regulated by the Financial Conduct Authority
BUY TO LET
specialist lending
Some cases may be a little bit more ‘unique’ than others and perhaps don’t fit with mainstream lenders, but if this does apply to you, then don’t worry! With access to lenders from across the market we take the time to understand your case and find the right solution for you.
Here’s an idea of areas we can help with;
Expats, overseas nationals, second charge mortgages, self-employed and adverse credit.
Please note, some specialist mortgages may be provided by way of a third-party provider
Most people put insurance at the back of their mind when it comes to arranging their mortgage, but to us it is a priority to protect your finances. Let’s just consider this, if you had a pet, would you take out pet insurance? Well, I bet the answer is yes for most people as the thought of hefty vet bills is just too much to bear, so its worth paying the premiums, right?
Well your mortgage is likely to be your largest single expense in your life, so if something were to happen, would you be able to cope?
Well, we can’t predict what the future holds, but we sure can get you covered, so come and have a chat and see how we can help.
As with all insurance policies, conditions and exclusions will apply.
PROTECTION
Other services
We don’t just stop there, we can provide a whole host of additional services to help you on your way.
We’re also able to help with finding a suitable solicitor for your case and we can recommend local firms which can carry out all sorts of surveys on your property. If you need will-writing or estate planning, we’ve got a place for that and we even have partnerships with financial firms to help you to take care of your finances, from pensions to investments.