First Time Buyers

Buying your first home doesn’t have to be daunting, having arranged thousands of first time buyer mortgages we can expertly guide you through the entire process from that initial enquiry all the way to collecting your keys.

We will let you know how much you will be able to borrow, explain your deposit options and ensure there are no nasty surprises with the costs involved in your purchase such as Stamp Duty, Lender and Solicitor fees - helping you minimise your outgoings.

We will secure you a deal from the most suitable and cost effective lender from our extensive panel so you know what your monthly payments will be. We can liaise with the selling agents with our “Help to Offer” service and work with your solicitors throughout the buying journey.

Call us to arrange your Agreement in Principle ensuring you are ready to view!

Home Movers

Whether you are upsizing the family home, downsizing or relocating we can give you expert advice on the best home mover mortgage options. We will complete a full assessment of your current mortgage terms to see if it is portable to your new home and do all the calculations to show you if this is a better option than changing lenders.

Let us number crunch your fees, early repayment charges and new payments to expertly guide you to the best deal. We will confirm all the moving costs you can expect, exactly what you can borrow and purchase for and then arrange an agreement in principle from the most suitable Lender to give you the peace of mind that the next move is a possibility.

We can guide you on the process of selling and buying, help you understand the estate agency options available to you and make sure you are aware of the timescales likely to be involved in the move.

Remortgage

If you have a deal that is within 6 months of expiring then it is vital you take advice on your options as soon as possible or face a payment shock when reverting to the lenders standard variable rate that could cost a small fortune. Don’t assume your current lender will look after you and offer you a good deal to keep your business as this is often not the case.

We can help you secure your next rate as much as 6-months in advance, protecting you from potential rate rises.

As well as shopping around for your best mortgage we will also review your overall mortgage position, giving you advice on the options to reduce your term if you wish to become debt free sooner or increase your term if you are in a period where reduced outgoings is your main goal. If you are looking to release money from your equity for home improvements, debt consolidation or any other reason this may also be an option for you and we are able to offer advice on these options even if you are not looking at remortgaging on to a new deal.

Contact us to arrange a full review.

Buy to Let

Want to invest in your first rental property but not sure where to start or do you have a portfolio that is in need of review. We have access to an extensive panel of specialist Buy to Let Lenders for both private Buy to Let and Limited Company Buy to Let and we can source you the best deal to maximise your monthly returns as well as your future equity growth.

We will help simplify what can be complex criteria on how affordability is assessed, what rental yields are needed to satisfy lenders stress tests and whether any personal income is needed to support the application through “top slicing”.

Whether you plan a single dwelling let, a multi dwelling unit or a house of multiple occupancy we are here to speed up your mortgage approval leaving you more time to concentrate on finding the right property.

Self Employed

Affordability on Self Employed mortgages can be assessed in a variety of ways through multiple different documents so it is vital if you are applying for a mortgage supported by self-employed earnings that you are dealing with a broker who understands the complexities of how self-employed income can be evidenced as well as the lenders criteria.

We have helped customers from all self-employed backgrounds - CIS contractors, freelancers, IT Professionals, sole traders, partnerships, Ltd Company Directors and those in the process of switching between these.

Contrary to popular belief self-employed mortgages are available with as little as one years trading and income can be assessed using profit, dividends, PAYE, retained profit and in many cases a combination of these.

Contact us to discuss your circumstances, in most cases you will have more options and greater affordability than you expected.

Adverse Credit

Have you been declined by a high street lender due to “adverse credit” – late or missed payments, debt management plans, CCJ’s, Defaults or an IVA? You may feel at a dead end and worried that this will prevent you from obtaining credit elsewhere.

We have helped find mortgage solutions for many with no credit history, poor credit history and with adverse credit history even when high street lenders and other brokers have declined.

Supply us with a copy of your credit file from an established agency such as Experian or Equifax and we will explain how a lender will assess your credit history and confirm your options with both high street and specialist lenders to find the best deal available based on your circumstances. Should you not be in an immediately proceedable position we will make sure you know when you may be and what you can do in the meantime to improve your credit score.