Mortgages

Great Mortgage deals

It can be daunting  identifying which type of mortgage is best suited to you.  The process of applying for a mortgage is a complicated one as there are many stages involved. We will guide you through the process and provide support every step of the way.

Buy to let

Buying a property to rent out has become a popular investment.

Investment properties can provide income by way of rent and capital appreciation. However just like stocks & shares, the value of your property can go down as well as up and a rental void (unable to find a tenant) can put a huge strain on cash flow.

We consider it vital that you research the local rental market before deciding on a buy to let mortgage.

We recommend you treat your buy to let as a business venture so accurate budgeting is an essential part of the process.   The range of lenders offering competitive buy-to-let mortgage has dramatically reduced over recent times, many of which are only available though certain mortgage brokers.

If you are thinking about investing in the property market for the first time or if you would like to build a buy-to-let portfolio then please contact us.

First time buyers

There are many things you need to consider when you buy your first home.  Decide how much you can afford to borrow before you start looking for a property. This will depend on whether you have a deposit, how much you earn and whether you are buying with someone else.

There are many costs involved in buying your first home, from conveyancing fees to stamp duty. We will clearly explain the costs involved in getting your first mortgage and buying a property and will provide support through every part of the home buying process.

Remortgage

There are many reasons why you may want to remortgage including trying to reduce your lower mortgage rate or simply to borrow more money, for instance, to fund home improvements.

Some lenders offer special remortgage packages where some of the costs are met by the lender, for example, valuation fee and conveyancing costs, so it may be possible to keep initial expenditure down.

We can provide advice on remortgage deals available from the whole of market and aim to reduce the hassle that can sometimes be involved when remortgaging. We search the market for the most appropriate product, deal with the relevant paperwork and administration and provide you with regular updates.

 

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