First Time Buyers

Buying your first home does not have to be a daunting experience, having arranged thousands of 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 your purchase costs such as solicitors and lenders, helping you minimise outgoings and understand when they need to be paid. We will then search our extensive panel of Lenders and help you secure a deal from the most suitable and cost effective lender for your individual circumstances so you know what your monthly payments will be. We will help liaise with all third parties such as selling agents and solicitors and help you understand what is needed to get your new home taken off the market. Call us to arrange your Agreement in Principle, to ensure you are in the best position to view or make an offer on your new home.

Home Movers

Whether you are upsizing the family home, downsizing or relocating we can give you expert advice on the best options to do so. 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 see if that would be the best option for you or a brand new deal with a new Lender. 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 coming to an end then it is vital you take advice on your options as soon as possible, lenders standard variable rates are currently much higher than they have been for many years and not selecting a new deal will cause a ‘payment shock’ that could cost a small fortune. Nor should you 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. Many Lenders will let you secure rates 6-months in advance so it’s a good idea to allow us to shop around for you early. 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 buy to let Lenders for both private landlords and limited companies and we can source you the best deal to maximise your income from your investments. We will help you understand how affordability is assessed by lenders, what rental yields may be needed, whether any personal income is needed on top of rent and what deposit options you will have available. We can make the process straightforward so you can concentrate on securing the right property for your plans.

Self Employed

Lender’s assessments of affordability for self-employed applicants varies greatly as does how your income from self-employment can show on tax returns and accounts 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 self-employed income and 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 switching from one to another. We will understand your income and advise on which Lenders are able to offer you the most suitable options. Even if you have only been self-employed for 12-months we will have options available for you. Contact us to discuss your individual circumstances and we will be glad to confirm your options.

Adverse Credit

Have you been declined by a high street lender due to missed payments, CCJ’s, Defaults or an IVA? You may be worried that this will prevent you obtaining credit elsewhere. We have helped many customers with adverse credit history in the past and often with high street lenders when others have declined. If you can supply us with a copy of your credit file from an established agency such as Experian, Equifax or Checkmyfile 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.