Getting the key of your first home is one of the great moments in life and there are few things more exciting than buying the perfect property for your needs. You may be a first time buyer starting out on the property ladder, or you may require a further advance to create more living space for the family, or perhaps you are looking for a buy to let mortgage to realise the dream of owning an investment property, or want to re-mortgage a property to provide money for a business, home improvements or perhaps debt consolidation. Whatever your reason, it is likely you will need a mortgage to achieve your goal.
Independent mortgage advice is more important now than ever. Gone are the days where there were thousands of mortgage products to choose from with little to no deposit. Some mortgage lenders have left the market and those that still actively participate have much tighter rules, or require much larger deposits. That said though there are still plenty of deals to choose from for the right applicants. The trick is to pick the most appropriate mortgage products for the clients needs, weighing up rates and arrangement fees against lending criteria.
Finding the mortgage suitable for your circumstances can be a problem and when considering any mortgage finance you must understand that this is a significant financial commitment. Loans are often subject to checks in respect of your ability to repay the debt and the value of the premises that you wish to purchase. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
We offer advice on a range of mortgages from First Time Buyers, Residential Purchases and Re-Mortgages, Buy to Let, Let to Buy through to Right to Buy and Commercial mortgages.