We specialise in providing high quality mortgage solutions, for purchase, remortgage and buy to let, and through our trusted business partners, we can also help with Bridging Loans, Development and Commercial Finance.
Our expert team work with over 90 lenders and have access to thousands of mortgage products, which means that no matter how complex your requirement, or what size loan you’re looking for, we’ll research the market to identify a mortgage to suit your individual circumstances.
We aim to provide an outstanding service which is friendly, efficient and transparent throughout the process, which starts with a complimentary initial review to understand your financial situation and also what you’re aiming to achieve, and in what timescales.
Many of our clients come back to us time and time again and recommend us to their friends and family. Why? Because we truly care about getting the right result for our clients and taking the stress and hassle out of the situation wherever we can. So, whether you prefer to deal with us face to face, by phone or by email, we’ll work around you to make sure that you’re provided with as much information as possible, meaning that you’re always in control.
We understand that once you’ve found your dream home, securing the right mortgage is the most important thing on the ‘to do’ list. But, given how complex it can be to find the right rate and the right lender, it can also be one of the most stressful elements of the moving process.
Whether you’re looking to take advantage of the current wealth of attractively priced mortgages available, or perhaps release some equity from your property, remortgaging could potentially reduce your monthly repayments or be a cost-effective way to generate extra funds.
FIRST TIME BUYERS
Buying your first home is an exciting time, but can also be quite stressful. With so many things to consider, such as finding the right property, securing a mortgage and all the legal paperwork involved, at times it can feel quite daunting. But don’t worry, we’re here to help.
BUY TO LET
No two landlords are the same; whether it’s your first investment purchase or you’re a seasoned investor with an established portfolio, or perhaps even an ‘accidental landlord’ who is letting their home in order to relocate due to a change in circumstances, we’re on hand to help you find the right mortgage to suit your individual needs.
SELF-EMPLOYED, CONTRACTOR AND COMPLEX INCOME STRUCTURES
Many of our clients are self-employed, own their own businesses, operate as consultants or contractors or have other complex sources of income which can prove to be a challenge for those who are looking to secure a mortgage. All these factors can make it complicated and challenging to secure a mortgage, and we understand that it can be both frustrating and stressful to be turned down by a lender on the basis that your earnings aren’t typically structured.
BRIDGING LOANS AND DEVELOPMENT FINANCE
As the name suggests, bridging loans are used to ‘bridge’ the gap between a debt becoming due and the line of credit becoming available, or, in some circumstances, they can be used as a short-term loan.
For insurance business we offer products from a choice of insurers.
You may have to pay an early repayment charge to your existing lender if you remortgage.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
Monica Bradley Associates Limited is an appointed representative of Mortgage Advice Bureau Limited
and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Monica Bradley Associates Limited. Registered Office: Carlton Chambers, 16a The Broadway, Cheam, Surrey, SM3 8AY
Registered in England Number: 0885793