MORTGAGE SERVICES
Mortgages for first time buyers
First time buyer
Taking your first step onto the property ladder is an exciting time – but with so much to think about, it can be a little frightening. But having the right and complete advice and support can help immensely. It's easy to navigate the mortgage process when you have a friendly and trustful mortgage advise team that really understands your situation and budget. We can advise and guide you through every stage, providing you not only with vital mortgage advice, but also taking you through the house buying process, including putting you in touch with a trusted solicitor. You will also be allocated your own dedicated mortgage administrator who will keep you up to date at every step of the application process through to completion and post completion.
Remortgage
Remortgaging is where you take out a new mortgage with a new lender on a property you already own and have a mortgage on. If your mortgage deal is about to finish, you have so many options to find a better deal from the mortgage market. If you want to borrow additional funds, better interest rate, need money for home improvements, release equity to purchase another property, consolidate existing debts; our dedicated mortgage advice team is able to access different mortgage products across the whole of market. Unlike online comparison sites, our advisors tailor your remortgage to fit your personal circumstances and come up with the best suitable money-saving and goal-achieving deal for you.
Shared Ownership
If you can’t quite afford the mortgage on 100% of a home, Help to Buy: Shared Ownership offers you the chance to buy a share of your home (between 25% and 75% of the home’s value) and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.
Moving House
Whether you’re upgrading or moving to a big house or downsizing to a cosy little cottage, moving home can be a busy and stressful time with so much to consider and organise. But one thing you don’t want to be worrying about – your mortgage. You can just relax knowing that you’re in capable hands of our dedicated and professional mortgage advice team, whether you’re simply porting your current mortgage across or switching lenders after a change in circumstances or applying for a new mortgage to cover the new property’s value.
Porting
Porting your mortgage means you can transfer your current mortgage product to a new property. Our dedicated mortgage advice team is advice and help you throughout the application process to completion.
Buy To Let
A Buy to Let property (BTL) is a type of property investment, in which the investor becomes a landlord and rents out the property for profit. Buying a property as an investment and to let has become the choice of many investors and those looking for an income in retirement. Our qualified mortgage team will help you to find out the best flexible, highly personalised solutions and deals within your budget.
Limited company Buy to Let
Buying property by setting up a limited company for buy to let means you are not taxed as an individual. Purchasing a buy-to-let property through a limited/LTD company or SPV (Special Purpose Vehicle) can be more tax efficient than doing so in your personal name as a private landlord. You have to pay corporation tax on the rental profits, which can work out cheaper in many cases. On the other hand, if the property is privately owned rental property then you have to pay income tax for whole rental income. You still have to pay stamp duty for limited companies buying property.
Portfolio Landlord
A portfolio landlord is a borrower with four or more distinct mortgaged Buy to Let UK rental properties either together or in aggregate. It is available to individual landlords and limited companies.
Let to buy
Let-to-buy mortgages can help you simultaneously buy your next house and let out your former home. Let-to-buy involves having two mortgages, a residential mortgage on a property you're moving to and a buy-to-let mortgage on your earlier home so you can rent it out. However, there are various factors to consider before opting to go the let-to-buy. Our well-trained mortgage advice team will help you to fins out the best deals which suites to your circumstances and budget.