Mortgages
Mortgages
The mortgage market can be a confusing and complex place, with each lender offering different deals and having different criteria. I take the time to understand your personal circumstances and use my expert knowledge in the field to source you the best deal to fit your needs, saving you the time, energy and stress.
With being whole of market, I have access to thousands of mortgages across 90+ lenders ranging from high street lenders to specialist lenders not available on the high street, as well as being able to obtain exclusive deals. Your income and expenditure is only one aspect of obtaining a mortgage, your credit history is another vital part, so having your credit file to hand will assist me in making sure we find the best product for you.
There may be certain schemes to help you get onto the property ladder from shared ownership, right to buy, help to buy, forces help to buy and first homes. Get in touch now to discuss how I can help you.
Are you looking to get on to the property ladder but unsure where to start? When you speak with me, I will help you understand the options available to you, I will give you an overview of how the process works and I will discuss the amount you could potentially borrow and the costs associated with this. I will also discuss whether any of the first time buyer schemes can be used and answer any questions that you may have.
It’s never too soon to discuss your options for you to be better prepared, so whether you already have your deposit or still saving, I can help you understand what will be required to get you your first home.
Are you looking to sell and move to a new home ? Are you unsure on what options are available to you and what you can do with your existing mortgage? Are you looking for someone who can take the stress and hassle away and ensure you obtain the best deal? Then get in touch.
I will discuss your current position, the associated costs of moving and your property plans. I will let you know the amount you can potentially borrow and how much this will cost so you can be confident that your next move is within reach. I will look at the whole of the market to find the best deal to suit your needs and to save you time comparing lenders and will be your dedicated contact to support you through the process from beginning to end and answer any questions you have.
You may have to pay an early repayment charge to your existing lender if you remortgage.
You check you have the best deal on your car insurance each year so why not your mortgage? Your mortgage will likely be your biggest financial commitment and staying with the same lender as it’s ‘easy’ isn’t always going to be the best option for you, it could end up costing you much more and take you longer to pay off.
Taking into account your individual circumstances, I willl compare your existing mortgage product against new deals and work out what will be the most suitable option for you, so you don’t have to. When reviewing your mortgage, it is also a great time to discuss whether you have any additional borrowing needs such as raising capital to support home improvements, help your children with a deposit or to consolidate existing debt into one manageable monthly payment.
Get in touch to arrange your mortgage review now.
Think carefully before securing other debts against your home.
Whether you’re buying your first investment property to rent out, adding another one to your portfolio or looking to secure the best deal for your existing mortgages, then you’ve come to the right place. I can help you secure the best deal for your individual circumstances, whether the application is in your personal name or via a Limited Company.
Please note, should you wish to discuss the benefits and/or have a better understanding of the pros/cons on whether you should purchase in your personal name or via a Limited Company, you should seek professional tax advice prior to starting a mortgage application as I am not able to advise on this.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Being self-employed can make obtaining a mortgage more complex, lenders processing times and how income is assessed can vary depending on the structure of your business. Using my knowledge of the market and lenders criteria, I can find you the best solution to meet your needs and priorities. I can help you understand how much you might be able to borrow based on your declared income and/or company accounts and what information will be required to obtain a mortgage with the chosen lender.
Get in touch now to discuss your current circumstances and how I can help you.
Have you had a blip on your credit in the past which is making obtaining a mortgage difficult? Many mainstream lenders may not be able to offer you a mortgage however I have access to lenders who specialise in supporting those who have had arrears, defaults and/or county court judgements registered against them therefore buying or moving can still be a possible option for you. Obtain a copy of your latest credit report here* and get in touch with me to see what options may be possible based on your circumstances.