Mortgage Types
The mortgage market is incredibly competitive and it can be hard to understand exactly what is on offer from the many different providers to the extensive range of products and rates available. Getting help to source a mortgage is important so you can carefully study your options before making a decision.
First-time Buyer
First-time Buyer
First-time Buyer
Being a first-time home buyer can be exciting and daunting in equal measure – especially if you have to learn about mortgages too.
Buy to Let
First-time Buyer
First-time Buyer
Put simply, a buy to let mortgage – or BTL mortgage – lets you borrow money to buy a house that you’re going to invest in and rent out.
Home Mover
Home Mover
Home Mover
Already have a mortgage? Want to move to a new house? Is it better to get a new loan or use your existing, increasing your debt?
Self Build
Home Mover
Home Mover
A self-build mortgage is specifically designed to aid self-builders to build their own home. Funds are released in stages throughout the build.
Adverse Credit Lending
Getting a mortgage with bad credit can be tough, especially if you have defaults, county court judgments (CCJs), individual voluntary arrangements (IVAs) or a bankruptcy in your credit history – but it's not impossible. We specialise in obtaining mortgages for customers who have bad credit, miss payments, CCJ's, Bankruptcy & More.
First-time Buyer
Our expert guidance can help you understand how to take your first step onto the property ladder and buy your first home.
Buy To Let
Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out. The rules around buy-to-let mortgages are similar to those around regular mortgages, but there are some key differences. Read on for more information about how they work, how to get one and what mistakes to avoid
Who Can Get A Buy-To-Let Mortgage?
It may be possible to obtain a buy-to-let mortgage under the following circumstances:
You want to invest in houses or flats.
You can afford to take and understand the risks of investing in property.
You already own your own home, whether outright or with an outstanding mortgage.
Home Mover
If you already have a mortgage, what happens when you want to move to another property? Is it better to get a new loan or to use your existing one, perhaps increasing the size of your debt? Let us help you explore your options.
Mortgage Porting
If you’re moving house and you already have a mortgage on your current home, you might be able to transfer – or ‘port’ – your mortgage to your new property. It’s worth checking your mortgage details to find out whether your deal is in fact portable.
Even if porting your mortgage is possible, you’ll still need to reapply and go through the same affordability and credit checks you went through to get the mortgage. You may have to pay for a valuation, as well as legal fees and stamp duty.
Self Build
A self-build mortgage is specifically designed to aid self-builders to build their own home. Instead of funds being released in a lump sum upon completion like a traditional mortgage, with a self-build mortgage, funds are released at key stages of the project.
When are Funds Released?
Land (with the minimum of outline planning consent)
Substructure
Wallplate/eaves height (just before the roof trusses go on)
Wind and watertight roof tiled
First fix
Second fix
Certified completion