Mortgages
First time buyer:
Taking The First Step To Owning Your Own Home
We understand that buying your first home can be daunting, which is why we pride ourselves on taking the time to explain the process clearly, giving you the confidence you need. We will be with you from the very beginning right up until you collect the keys to your new home.
Our Top Tips for First Time Buyers:
- Speak to us as early as possible to gain perspective on the process including how much you can afford to purchase a home for and how much this will cost you on a monthly basis.
- Prepare in advance by keeping your credit score as high as you are able to, save as much as you can and start collecting your documents together.
- When you start viewing properties and before you make an offer, we will provide you with an agreement in principle to confirm your affordability, putting you in the best financial position.
Re-mortgage:
Getting A Better Deal And Saving You Money
As well as helping our new re-mortgage clients, we also keep in touch with our existing clients to ensure they are never on a Standard Variable Rate un-necessarily. When the time is right, we will contact you to discuss your circumstances and switch your mortgage, often to a new lender, to get you the right deal and aim to save you money too.
Home mover:
Making The Big Move Stress Free
Whether you’re upsizing or downsizing, we can work out your best options to save you the highest amount of money overall. We will work out if it’s more cost effective for you to port your current mortgage and top up, or switch to a new lender, providing you with clear and honest advice every step of the way.
Buy to let:
Growing Your Property Portfolio
Buying a property to let can be an exciting opportunity for our landlords to increase their monthly income and/or for the prospect of capital growth. We will discuss your objectives to be able to tailor our advice to recommend the right mortgage for your rental property.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
New builds
Getting On The Ladder With A Brand New Home
Buying a New Build property, is an exciting time for our clients. We like to make sure the process of applying for both the mortgage and the help to buy funds runs smoothly, keeping everyone up to date throughout the process.
Your home may be repossessed if you do not keep up repayments on your mortgage.
