Mortgages

Affordability is the key word; the Mortgage Market Review of 2014 was the biggest set of reforms since residential mortgages became subject to statutory regulation in 2004. Our objective is to find your required borrowing at a competitive rate. To do this we have access to a comprehensive range of lenders that allow your individual circumstances to match with the most suitable lender. An appointment with one of our advisers can illustrate in one go what every high street lender, and also some less well-known lenders can offer.

First Time Buyers

The purchase of your first property is one of life’s milestones and we want it to go smoothly. It’s not just about simply applying for a mortgage – our advisers have all bought property before and know the process inside out.

We can advise and reassure every step of the way; if you have an estate agent demanding an Agreement in Principle we can do this at very short notice, if there are issues with the survey we can advise – we are totally independent and not employed by any agents – and would not be afraid to advise pulling out if that was in your best interests.

Solicitors play a big part in the transaction but will often use legal jargon amidst an unfamiliar process, which can even be confusing for those who have been through it before. We can recommend trusted solicitors to use and can help with the conveyancing process if needed, liasing between the parties concerned.

Movers & Remortgages

Move up, down or stay put and extend ? Whatever you position on the property ladder we can help. You may want to retain your property and become a ‘first time landlord’ you may want to raise capital for improvements to your home or simply to consolidate other debts. When a client already has a mortgage the comparison process is crucial – stay with your current lender or move. We can advise on all scenarios.

Buy to Let

This is an area that needs expert advice. Lenders will ‘stress test’ this type of mortgage using an ICR (Interest Cover Ratio) This will vary between lenders and is part of a calculation based on rental income, tax status, the fixed rate term and where applicable other rental properties (portfolio).

Investors now have to be much more creative and we can also offer expert Commercial Mortgage advice provided by one of our approved partners.

Large Loan Specialist

Clients requiring larger loan amounts are welcome to contact us so we can fully understand what you are looking to acheive and enable us to find the most suitable solutiion.

Government Schemes

Help to Buy and Shared Ownership are assisting the majority of people wanting to a buy a new build property. Currently open to FTB’s and movers alike with as little as 5% deposit, it’s essential you have good advice about how the scheme’s work; is it right for you or do you even need it ? Either way we are actively involved with new build and can provide the impartial advise you need.

Specialist Mortgages

• Second Charge / Third Charge
• Bridging loans
• Development Finance

All of these financing types are available through access to specialist lenders.

2nd and 3rd charge lending can be typically useful if all other 1st charge avenues have been exhausted.

We are not authorised to give advice on Commercial Mortgages but can refer customers to an authorised specialist who can help assist in this area.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.