Home Owner Mortgages
If you are lucky enough to own your own home, we can help you find an even better mortgage deal when the time comes for you to move or improve. We research the whole of the market to find the most suitable product to meet your individual circumstances and match your budget. We will also recommend protection products to ensure that you have a fully protected mortgage, so you can buy your home and keep it, whatever happens.
Home Mover Mortgages
If you have found the new home you want, let us help you secure the finance you need. When you speak to our advisors, we will establish the maximum you can afford to borrow by assessing your circumstances, discussing your enquiry with our contacts at the lenders and carrying out affordability calculations.
We work closely with you and the lender to ensure that you have the best possible chance of submitting a successful application and being able to move into your dream home
When you arrange a mortgage through us, we like to think that you have entered into a relationship that will last you a lifetime. We commit to finding you the best mortgage deal and every time it comes to remortgage we will review the latest mortgage deals on the market, including interest rates offered by your existing lender, to ensure that you can always secure the best interest rate available.
Remortgaging is the process whereby you switch the mortgage on your home to another lender or negotiate a better deal with your existing one. We can access interest rates that will pay for the standard survey and legal costs of the remortgage,therefore you could save thousands of pounds by switching to a cheaper rate with no upfront costs.
*You may have to pay an early repayment charge to your existing lender if you remortgage
Interest Only Mortgages
Our experienced advisors are still able to secure interest-only mortgages despite the changes in the mortgage market. Most lenders have revised their criteria regarding interest-only mortgages and reduced the amount you can borrow in relation to the value of your home. These lenders will also need you to have an established repayment vehicle in place which will be able to repay the whole mortgage amount at the end of the mortgage term.
However, there are still some lenders who will allow you to use the sale of the mortgaged property as the repayment strategy. By discussing your interest-only mortgage requirements with our knowledgeable advisors, you can be reassured that you will receive the best mortgage advice to guide you through the process.
Whether you want to move or improve, speak to our mortgage specialists about securing the best mortgage deal available today. Call 07753 112051 or contact us.