With a vast array of products available across the whole of market, it’s important that you gain advice from an expert. Talking with a financial adviser will likely save you money and time whilst guiding you through tailored plans for your mortgage needs.
There are several different types of mortgages including:
When looking to buy a property to move into, you will require a residential mortgage. With several lenders offering a vast array of products, ensuring you get the right one tailored to your needs can be overwhelming. With our years of experience, we can go through your options and find a plan to suit you.
If you are looking to become a landlord and rent out to a tenant you will need a Buy-To-Let mortgage. All mortgages have a variety of criteria. A Buy-To-Let’s criteria regards the affordability being based on the rental income, with each lender having underwriting requirements. Contact us to discuss your steps to become a landlord.
The Financial Conduct Authority do not regulate buy to let mortgages.
We understand buying your first home is a large milestone in anyone’s life. There are benefits for first time buyers compared to other mortgages including smaller deposits and no stamp duty. With our experience we can assist you to ensure you get the best plan for your future in your first home.
Sometimes people with low deposits find it difficult to get onto the property ladder. This is where Shared Ownership can help. You will purchase a percentage of the property and then rent the remaining percentage from a housing association. The deposit is based on the percentage you are buying therefore meaning you could buy a home without the need of a large deposit. There are other considerations to think about with Shared Ownership, such as rent and services charges. So please make sure to get in touch to find out whether this is the best option for you.
Feel free to get in touch with us to explore your options and find the best solution tailored to your needs.
If you are moving to a new lender and looking for assistance in finding the best plan for the future, we can step in. Our expertise can guide you to ensure you’re getting the right plan for you.
If you have money saved, then this mortgage could be for you. Your savings must be with a lender that offers an offset mortgage. They will then allow you to use the capital to offset the interest charges against your mortgage, which allows you to benefit from saving interest charges.
These are complex and technical mortgages that release money throughout the stages of the build. With a vast amount of components to a self-build mortgage including securing the plot, lending criteria and securing builders for the job. But the benefits of getting your dream house build outweigh all of this.
Don’t hesitate to reach out and discuss your options with us. We’re here to help guide you through the process.