Mortgages

With years of experience of helping first time buyers, we will aim to simplify the whole process for you:  

• We will listen to what you need, and will guide you through the initial steps.

• Discussing all the different types of mortgage options available, and identifying the products that are suited to your individual needs.

• Checking your income and outgoings to work out how much you can comfortably afford to borrow now, and how you’ll manage in the future if there’s a change in circumstances or if mortgage costs increase.

• And above all, supporting you throughout your entire homebuying process.

Estate Agents like to see that you are serious about buying a property so an “Agreement in Principle” from a mortgage lender, shows that your mortgage is provisionally approved.

When you have found your dream home you know that we can process your application swiftly and efficiently.

Your home may be repossessed if you do not keep up repayments on your mortgage.

• A first meeting to help you work out the costs of moving, calculating how much you need to borrow and how much you need to keep back for costs and fees.

• Comparing the advantages of staying with your current lender, with the rates and deals available from other banks.

• Choosing the most suitable option by either “porting" your existing mortgage to the new property or recommending a new mortgage product.

As an existing homeowner, there is probably a much wider choice of lenders and rates available to you now than you had as a first-time buyer, thanks to factors like having a better credit score, or a much larger deposit.

We can search thousands of options across the market ensuring you get the most suitable product for your circumstances. Our advice is completely free, and our aim is just to help make your move straightforward and as effortless as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The criteria for buy-to-let lending has changed substantially in recent years, and we are here to guide and advise you through its complexities and ensure that you maximise the return on your investment whether the property is held in your name or through a limited company

We have access to lenders from across the market, who specialise with smaller landlords owning between 1-3 properties, as well as Portfolio Landlords owning 4 or more.

The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

We can also explore additional borrowing to cover expenses such as home improvements, a new car, a buy to let property investment, or even to help a family member with a deposit for their first property purchase.

Our advice is completely free, so you have nothing to lose by seeing what we can find for you.

Think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up the repaymemts on a mortgage or other debt secured on it.

Many lenders now require increased documentation from you and your accountant to prove your income. And since the pandemic, a large number of lenders have also increased the minimum deposit for self-employed customers, compared to deposits required for employed workers.

However, we can help explore the choices available, to ensure you can access to the most suitable products and options available for you. Our expert advice is completely free, so why not give us a call to see how we can help.

Your home may be repossessed if you do not keep the repayments on your mortgage.