MORTGAGES

You want to buy your first property, move to a bigger place or remortgage to save money. We know that moving house can seem like a stressful and daunting task. Finding the right mortgage be a challenge if you don’t know where to look or what the best deals are at the moment.

We can make the process hassle-free for you. We specialise in sourcing mortgage solutions for purchase, remortgage and buy-to-let. We work with over 90 lenders and have access to thousands of mortgage products, so our advisers will search the market and find the right mortgage deal for you. We’ll also take care of all the paperwork and keep you updated at every stage of your application.

Through our trusted business partners, we can also help with Bridging Loans, Development and Commercial Finance. 

Get in touch with us for a friendly, informal chat about what you’d like to achieve and we’ll be glad to help you.

PURCHASE

You’ve found your dream home and can’t wait to move in. You just need to get your mortgage offer sorted.

We know it can seem like a challenge, with so much paperwork to think about on top of dealing with estate agents and solicitors.

Our expert advisers are here to find the right mortgage product to suit your needs. We’ll work hard to find you the most competitive interest rate and take care of the paperwork for you.

We work quickly, and we’ll do our best to expedite the process by working closely with your estate agent and solicitor to achieve a speedy conclusion. Our team of specialist case managers will do their best to ensure everything runs smoothly and will keep you informed at every step.

 

REMORTGAGING

You could save a substantial sum of money if you consider remortgaging. Don’t leave it until the last minute to switch.

If your current mortgage term is about to end and you stay with the same mortgage, your lender will place you on its Standard Variable Rate, which is likely to be higher than the rate you’ve been on. This means your monthly payments will increase.

Even if your mortgage is not up for review, you could still save money if you speak to us about getting a better deal. Even if you have to pay an early repayment charge, the financial benefit may still outweigh the costs. Surely it’s worth looking at? We’ll do the hard work for you and search for the best mortgage deal. Just say the word and we’ll do the rest.

 

CONTRACTOR MORTGAGES

You work as a contractor and you love the flexibility. But where does that leave you when it comes to getting a mortgage?

Contract work offers variety and can be financially and creatively rewarding. You get to pick the projects you like. 

But you may have heard that it’s harder to get a mortgage than if you were in full-time employment. It may be more of a challenge, but it’s not impossible, provided you know where to look. It’s important to show that you have regular income and haven’t had long periods of not working. And a good track record in your industry will also help.

We work with many lenders who deal with contractor mortgages, so we have the right connections to find you the right mortgage product for you. We also know what lenders’ require for contractor mortgages. 

We’re here to help and you can also download our free guide to contractor mortgages for more information.

FIRST-TIME BUYERS

You’ve found your first home – all you need now is a mortgage that’s affordable and right for you.

Buying your first home can seem stressful and even overwhelming. With so much information coming your way, you could be forgiven for thinking it’s easier to carry on renting.

We can make the process of getting a mortgage hassle-free. Talk to us in confidence about your current situation and we’ll be glad to help. Rest assured we’re not here to judge – we’ll only ask questions that will support your mortgage application. We’ll aim to find you the right mortgage and will explain everything to you in plain English.

If you wish to proceed, we’ll take care of all the paperwork for you and our case managers will keep you updated on every stage of your application.

Get in touch with us today for your free consultation. Download our free guide to buying your first property

 

BUY TO LET

Buying a second property to earn you a regular rental income and can be a good investment for the future. 

Whether it’s your first investment purchase, you’re a seasoned investor or perhaps even letting your property due to a change in circumstances, we’re can help with your mortgage needs.

The rules governing buy to let lending have changed significantly in recent years, so good mortgage advice is imperative so that you make the right choice. We can also advise you on choosing the best insurance to safeguard your investment. 

Our experienced advisers are happy to help you.

SELF-EMPLOYED INCOME

If you’re self-employed, you may think you won’t be able to get a mortgage. We can help to make it happen.

We know that being self-employed comes in many forms. Whether you’re a sole trader, the director of your own limited company or a partner in a company, we can help you navigate the challenges of getting a mortgage when self-employed.

You may have more than one income stream or complex earnings, but that doesn’t mean you won’t be able to get a mortgage.

We’ve spent years building strong relationships with a range of lenders; including high street lenders, specialist providers and private banks. We’ll work with you to fully understand your circumstances in order to help you get the right mortgage.

BRIDGING LOANS & DEVELOPMENT FINANCE

Do you need to bridge the gap between a debt being due and a line of credit available?

Through our trusted partners, we offer short-term bridging loans and development finance.

Bridging loans are used when you need to purchase a property and haven’t sold your existing home yet. It’s a temporary solution. Bridging finance can also help if you’re buying at auction. There are a number of specialist bridging lenders in the market, and we’re here to understand your current circumstances and exit strategy. Once we’ve done that, we’ll match you with the right product to suit your individual needs.

Development finance is another highly specialised and complex area. Property development finance is normally a short-term loan broken down into stages. The first stage is to help arrange the purchase of the site and the second phase of the loan finances the build of the project. Funds are released in stages as they are completed.

We will work with you to fully understand the nature and timescales of your project and available cash-flow. We understand you may need a speedy turnaround so we can work quickly to help you realise your goals.