Whether it's your first home, your fifth, or a remortgage you've been putting off, we'll find the right lending and explain it in plain English.
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
The mortgage market was largely built for people with twelve identical payslips a year. Plenty of people don't fit that mould, and that's usually where good advice earns its keep.
We'll look at your whole picture: how you're paid, what you're planning and how long you might stay. Then we search lenders on your behalf, from high-street banks and building societies to specialist lenders, and recommend what suits you.
We'll tell you what you can realistically borrow before you start viewing, help you get a decision in principle, and walk you through the jargon, the costs and the timings. If family are helping with a deposit, we'll explain the options and what lenders will want to see.
Moving means juggling a sale, a purchase and often an existing mortgage deal. We'll look at whether to move your current mortgage, take a new one or a mix of both, and what any early repayment charges mean for you.
Many lenders let you secure a new rate up to six months before your current deal ends. We'll compare staying with your lender against moving, so you don't drift onto a standard variable rate by accident.
For first-time landlords, portfolio landlords and people letting a former home, whether in your own name or through a limited company. We'll talk through rental cover, stress tests and what lenders look for.
Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
If you're paid through dividends, retained profits, day rates or more than one source, how your income is presented matters. We know which lenders look at the full picture, and how to put your case to them clearly.
If you need to raise money against your home, we'll compare a second charge loan with a remortgage or a further advance, and explain the costs and risks of each before you decide.
Think carefully before securing other debts against your home.
If your wealth is spread across bonuses, share schemes, investments, property or overseas income, some private banks and specialist lenders will look at the whole picture rather than just your salary. We know which ones to approach.
A way for a parent or family member to add their income to a mortgage application without being named on the property's title. It can help a first-time buyer borrow more, but it's a long-term commitment for everyone involved, and there are legal and tax points to consider, so we'll recommend independent legal advice.
If you need to move faster than a standard mortgage allows, for example at auction or to save a chain, bridging finance may help. See bridging finance.
Don't worry if you haven't got everything yet. We'll tell you exactly what your lender needs.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.
It's a lender's early indication of how much it might lend you, based on the information you give and usually a credit search. It isn't a guaranteed offer, but it shows estate agents and sellers that you're serious.
Many lenders let you secure a new rate up to six months before your current deal ends. Starting early gives you more choice and helps you avoid moving onto your lender's standard variable rate. We'll also check whether any early repayment charges apply.
Often, yes. Lenders usually want a signed letter confirming the money is a gift, not a loan. There are other ways family can help too, and some have legal and tax implications, so we'll explain the options and recommend you take independent legal advice where it's needed.
Not necessarily. It depends on what happened, how recently and how it was resolved. Some lenders specialise in less straightforward histories. Tell us the full picture at the start and we'll be honest about where you stand.
Yes. We can look at buy-to-let mortgages in your own name or through a limited company. How you own property has tax consequences, so we'll suggest you speak to your accountant too.
Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Tell us a little about what you're planning. A member of the team will come back to you, usually within one working day.
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