Mortgages
With several different types of mortgages available, finding the one that sits with your lifestyle is important. Getting a mortgage can be a huge life milestone. With our clear and concise advice, we can help you either begin on the property ladder or start to move up it.
First time buyer
Starting your journey on the property ladder can be overwhelming and exciting. We want to build a personalised plan for you. To begin with we will go through the process from speaking with us to getting the keys to your home.
Our plan with guide you each step of the way, with us being here to help you when you have questions and to guide you through the journey.
Remortgage
When you rate is coming to an end, you can start to look into remortgaging six months before the end of your policy. With us we will review the current policy and the available market for your possible repayments. This will be a holistic view at your mortgage, whether your finances have changed and what your current financial picture currently looks like and what it could look like going forward.
Buy to let
If you are looking to purchase your first buy to let property or continue to build your portfolio, finding the right mortgage for this home is vital. With our experience we can help you find the available policy for you. We will bring you clarity on these situations and help you achieve your financial goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do no regulate buy to let mortgages.
FAQs
What is a mortgage?
A mortgage is a loan taken out to buy property or land. Most run for 25 years, but the term can be shorter or longer. The loan is 'secured' against your home until it's paid off – if you fail to keep up repayments, the lender can repossess your home.
How much can I borrow?
This depends on your income, expenses, credit history, and deposit size. Most lenders offer around 4 to 4.5 times your annual income, though this can vary.
What types of mortgages are there?
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.