Mortgages


Providing individual mortgage advice; unique to you Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. 

Whether you are a first time buyer, looking to remortgage or even looking to purchase a second home. This is where our advisers excel. Be reassured that our style is to guarantee reliable mortgage advice appropriate to any individual that makes contact with us.

Buying a Home


Are you looking to move home?

When moving home, understanding all of the costs, finding the right mortgage and arranging it quickly is essential. Our expert advisers can help you get the best deal that’s right for you.
We will help you:

  • Discover how much you could afford to borrow and the fees you will pay
  • Source the best options from the market not just your current lender
  • How much your monthly mortgage payments are likely to be
  • Calculate what your costs are and how this fits into your budget

  • Don’t forget the importance of impartial advice!

    We will even compare your existing lender to the best dea;s and reccomend the one that saves you the most money.

    First Time Buyer


    Buying your first home can be a very exciting albeit daunting experience which is why it is important to understand the choices available to you so you can make an informed decision right from the start. There are many different mortgage products to choose from so it is important to get the solution that best meets your needs.

    To help you to make the right decision we have put together our Top Tips for first time buyers:

    How much can I borrow?

    It is important to be realistic when working out how much you can spend on your new home. A budget planner will help to ensure your mortgage is affordable.

    How much deposit will I need to put down?

    When choosing a mortgage, you can see which deals you might qualify for based on the size of the deposit. Different schemes and buying options have different deposits, you may be suprised how little you need.

    Have you considered any extra costs?

    Solicitors, surveyer fees and deposits- we can show you what the exact costs are based on the house you are selecting to buy.

    Know what to look for when viewing properties

    We can offer guidance and support through the whole housebuying process.

    Remortgage


    Why Remortgage?

    Your existing mortgage deal may be coming to an end and you're about to move onto the lenders standard variable rate which could result in an increase in your monthly mortgage payments.

    Remortgaging could potentially save you money. Let us compare your current lender with a new lender so you can make an informed decision on which is the right choice for you.

    Buy to Let


    Providing individual mortgage advice; unique to you

    Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio we can help guide you through the process. With so many changes in taxation and the lending policy, we have found that the lending position of so many lenders are different.

    How do buy to let mortgages differ from residential mortgages? :

  • Interest rates are usually higher on buy to let mortgages compared to residential
  • Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.
  • Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured.

  • We can help you arrange a bespoke buy to let solution that’s tailored to you. Call our expert team today to find out more.


    Our customer zone shows videos and written text on different products which could help you in your finance journey.