Mortgage lenders we work with
Not a comprehensive list, just a selection subject to change
Mortgage Products
Whether you are a first-time buyer, an investor looking to diversify your income streams or somebody looking to re-finance an existing mortgage deal, we can guide you through a variety of different schemes and deals available that can make it possible for you.
Self-employed as Sole Trader or Ltd Company Director, Contractors form various sectors such as IT / Finance / Construction, Foreign Nationals on Skilled Work Visas, Joint Borrower Sole Proprietor, Adverse Credit History are just some of the scenarios that we specialise in.
Our fees typically fall between £0 and £600 as an approximate estimate. The fee varies based on your specific circumstances and the extent of research and administration needed. The exact costs will be discussed and agreed upon before the application is submitted.
Maintaining a healthy credit rating is crucial in navigating the complexities of the modern financial world. Whether you’re considering a loan, mortgage, or any form of credit, your credit score plays a pivotal role. It’s not just about access; it’s about unlocking favorable terms and rates. Fortunately, checking your credit score is easier than ever. Try it FREE for 30 days, then £14.99 a month – cancel online anytime.
Residential
This type of mortgage is arranged for when you intend to reside in the property. The affordability rules are typically based on your total annual income, if you have any financial dependants and how much debt liability you are exposed to. Mortgage providers are also keen to understand your credit profile and usually cross-reference credit history over the past 6 years. We offer accurate and honest advice to ensure that you understand all of your options fully, guiding you every step of the way.
Buy-To-Let
This type of mortgage is arranged for when you have intentions of renting out the property to 3rd parties. The affordability of this type of mortgage differs to a residential mortgage. They are typically assessed on the potential rental income that can be achieved from the property and not so much your own personal income.
Tax liability is also considered with these types of mortgage applications, so we recommend speaking with a Tax Adviser to better understand how this may impact your circumstances.
The Financial Conduct Authority do not regulate buy to let mortgages.
First Time Buyers
We’re passionate about assisting First Time Buyers! Acquiring your first home is a significant milestone, and we’re honored to support you throughout. With benefits like smaller deposits and no stamp duty, we’ll guide you through each step, ensuring you understand everything clearly as we find the perfect product and scheme for your needs.
Remortgages
Remortgaging involves transferring your mortgage to a new lender as your current product nears its end, ensuring a competitive scheme is in place for the expiry. Our expert guidance in selecting the right lender and product can potentially save you thousands in interest payments.
Shared Ownership
This is a government backed scheme that allows people to buy a share of a property so they can reside in it. These are usually offered by housing associations or local authorities therefore you would pay rent each month on the share of the property that is owned by them. The concept is based around affordable housing which allows 25% minimum to be purchased initially, with the option to purchase more shares in the future also known as “stair-casing.” We have access to the limited number of mortgage providers that support this type of property purchase, allowing us to help you get on the property ladder.
Right To Buy
This opportunity can arise when tenants of a local authority or housing association may be offered to buy the property at a discounted price. The limited number of mortgage providers that deal with these applications often allow the discount on the property price to substitute what would have been the deposit if you were purchasing as a standard transaction. We work closely with the selected mortgage providers to make home ownership a reality for these clients.
Your home may be repossessed if you do not keep up repayments on your mortgage.