First Time buyers
We can guide you through the whole purchase process providing all the first time buyer advice you need.
We will keep you regularly updated with your mortgage’s progression and will manage the purchase process for you right through to completion.
Make your move a happy one.
Moving home can be a stressful time, there are so many things to think about and making sure everything happens when it’s supposed to.
We can take some of the stress out of the whole process by providing you with the help and advice to find the most suitable mortgaging option which best meets your needs.
It’s not just about arranging a new mortgage, we need to look at your current mortgage and assess whether it is in your best interests to redeem it or possibly transfer it to the new property.
We’ll also look to see if you will have any penalties to pay if you don’t keep your existing mortgage and transfer it. These penalty charges can make switching lender an unsuitable option. It may be worth noting, we search lenders representing the whole of the market.
We can help you decide if it’s beneficial for you to switch lender.
If you are an existing homeowner, there are many reasons why you may want to remortgage. This may be anything from trying to seek a lower monthly payment by obtaining a lower mortgage rate than the one you are paying now or simply to borrow more money, for instance, to fund home improvements.
We will do our utmost to find a mortgage package that best suits your needs and requirements (i.e. your time constraints, budget, attitude risk, lifestyle etc.) We will treat your mortgage application with a proactive approach whilst delivering a personal and efficient service.
If you are nearing the end of a special deal with your current lender, or maybe need to raise some extra finance to fund a wedding, university fees or any other purpose, a remortgage may be a suitable option. We will look at the best product your current lender can offer before we search for a more competitive deal from another lender. This way we can assess if it will be financially beneficial to switch to another lender or stay with your current lender. We take into account any fees which would be payable if you do switch, these may include a broker, lender arrangement, valuation and legal fees.
It may be worth noting that many lenders offer a free valuation and legal fees on remortgages. After we have carried out a review of the market, we can present the options available to you and recommend the option which best meets your needs.
Buy to Let Mortgages
Financing your investment properties.
Buying a property to let can be a potential minefield in today’s current climate. When buying a second property to let you will need to decide whether your primary objective is income or capital growth.
Our experience and expertise will find the best solution for you; taking into consideration your needs and requirements. We will treat your mortgage application with a proactive approach whilst delivering a personal and efficient service. You should be mindful that there are a number of tax issues with regards to owning properties “to let” in order to maximise your tax position. For further information, you can visit the ARLA website at www.arla.co.uk
We offer a comprehensive mortgage sourcing service arranging buy to let mortgages for investors with a single property right through to the professional landlord with an extensive portfolio.
The market has changed over the last 12 months with lending criteria tightening. This has placed some investors in an awkward position when remortgaging but we have experience in restructuring buy to let financing, allowing you to move forward and bring your investment under control. If you would like an informal chat about your buy to let property finance then please feel free to contact us.
The Financial Conduct Authority do not regulate some forms of Buy to Let mortgages