Mortgages & Borrowing
Buying a house or moving house can be one of the most stressful experiences of your life. Our aim is to make this process as stress free as possible by arranging the mortgage on your behalf.
We will explain the process step by step and are always on hand to discuss any queries you may have along the way. Being whole of market independent we will find you the best product to suit your individual needs.
Why spend hours on the phone waiting to complete your mortgage application. We are happy to meet at a time which is convenient to you to discuss your mortgage and we will contact the mortgage providers to complete your application. Our initial meeting is entirely free as we need to establish your needs and ensure we are able to deal with these in the most efficient way possible.
Lifetime Mortgages
If you are looking to make the most of your retirement but a substantial amount of your assets are tied up in property, please speak to us and we will find the best way to release equity from your house without the need to move.
Additional qualifications are required to provide advice in this area and we have this expertise in house.
Residential Mortgages
Whether you are looking to re-mortgage, move house or are a first time buyer, we have all the tools required to find you the best deal on the market to suit your needs. We have access to comparison sites not available to the public. Once we have met and discussed your financial position and requirements we will establish the product which is best for your needs, that could be options such as a fixed rate, variable rate or discounted rate and we will fully explain all your options.
A process which is straight forward to us can be daunting for a first time buyer and we will explain the process step by step so everything progresses smoothly and within the timescales required.
Buy To Let Mortgages
We are all by now aware of the changes which have taken place with regards to tax relief and the stamp duty changes for buy to let properties. These changes have made the market a lot less attractive, however, there are still good opportunities available. The market has become a bit more complex as the requirements of the mortgage providers have adapted.
Generally the market falls into two categories, Portfolio Landlords and Buy to Let Landlords.
Portfolio Landlords – are usually classed as Landlords with 3 or more properties in their portfolio. The number of providers who will lend in this sector is restricted. Through our membership of various Mortgage Clubs we have access to information which details the providers that are interested in this sector and are able to guide you through this process and help with the next addition to your portfolio.
Buy to Let Landlords – following the Mortgage Credit Directive Order 2015 this now falls into two categories, regulated and non-regulated contracts. A regulated contract is a consumer buy to let mortgage and as the title suggests this is regulated by the Financial Conduct Authority (FCA). This tends to relate to properties which have been inherited and are then let out and the individuals intention was not business related.
Non-regulated buy to lets are properties which are purchased with the intention of treating the property like a business and leasing the property. We can discuss the options in either case and let you know what the criteria are for these mortgages.
Take the stress out of setting up your mortgage and arrange your first free meeting.