Feeling a bit overwhelmed by the whole mortgage process? We are here to help you!
Buying a home can seem like a great challenge. Suddenly, there are a lot of financial issues that you have to deal with. There are several additional costs you will generally have to factor in before you can step onto the property ladder. It can all be very overwhelming. Therefore, in order to save yourself stress and time, and to be sure that you are taking the right steps, it is always a good idea to seek professional help from a mortgage advisor.
Having access to the whole of the market, we will make the entire process child's play. Together, we will find the most suitable solution for you. Furthermore, we will take care of all the formalities for you, so you can now focus on finding your new home.
MORTGAGE ADVISOR UK
Let's make it happen
We believe mortgages should be simple and available to all. If your credit history is not perfect, you can still get the ideal home. Through working with the most trusted partners on the UK market, we are able to find you the most suitable deals, fully tailored to your needs and financial possibilities.
Not all of us are financial specialists. Therefore, the mortgage should be simple and logical for each person. Unfortunately, the reality is different. The process of getting a mortgage and buying your new home can be very complex and complicated. That's why we are here to support you all the way, until you set foot in your new home.
Being an online advisor doesn’t stop us from being professional and giving that personal touch to our cooperation. You will receive our support at every step of buying your new home process.
MORTGAGE
- REMORTGAGE
- BUY TO LET
- MOVING HOME
- RIGHT TO BUY
- POOR CREDIT MORTGAGES
Lenders will offer you exactly as much as they think you can afford. The analysis and decision on the amount of your loan is based on your earnings and financial obligations, such as any other loans, mortgages and any credit cards you are currently paying, as well as how much deposit you can afford.
On average, with most lenders you will be able to borrow up to four and a half times your total earnings, but if you decide to buy a home with someone else, such as your partner, you can often borrow up to three and a half times your total income.
The maximum amount of mortgage you can borrow is 95% of the value of the property, so you will need at least a 5% deposit.
Mortgage is a type of loan you can use to buy or refinance a home. You will usually need to put down a deposit of at least 5% of the property value, a mortgage allows you to borrow the rest from a lender.
Right to Buy is a government scheme that lets you buy your home at a substantial discount if you're a council tenant.
For many people, buying a home is the biggest investment in their life. That’s why we recommend you have legal and financial advice. A professional mortgage broker can provide invaluable support and will make sure you’re getting the best mortgage for your financial situation.
How does it work?
If you live in a house you'll get a 35% discount if you've been a tenant for between three and five years.
If you live in a flat you'll get a 50% discount if you’ve been a tenant for between three and five years.
Getting a mortgage with poor credit history is possible but you'll probably pay higher interest rates and you may need to come up with a larger deposit. These kind of mortgages are known as Poor Credit Mortgages.
Poor Credit Mortgages work almost exactly the same way as conventional mortgages. The difference is that the lender can demand a larger deposit than they would on a conventional mortgage and you might not be able to borrow as much. Plus, interest rates are likely to be much higher.
What is affecting my credit history?
There are so many things that can affect your credit rating these days: you may have missed a few credit card payments, had a County Court Judgment awarded against you, or have previously been made bankrupt. There are lots of reasons you might be left with a bad credit rating.
Schedule a free consultation and speak to one of our specialist advisers right now to find out if you can get a mortgage.
Thinking of moving home?
We’ll help you find a new mortgage deal for your new home or transfer the current one to your new property.
You already have a mortgage?
Taking your current mortgage deal with you could help you avoid paying early repayment charges.
If you're moving home you'll face the dilemma of whether to take your existing mortgage with you or get a brand new deal. We can help you! Let us take care of your mortgage, so all you need to focus on is the move!
If you would like to remortgage a property in the UK, we can help you find the right option. Thanks to many years of experience, we can assure you that we will choose the best possible solution for you. We will also explain to you the mortgage options and everything else related to a mortgage, such as banking formalities.
If you are a property owner, you probably know how important and difficult it is to obtain a good mortgage rate. Even small differences in rates will have a big impact on the final cost of the loan, so it is important to use the help of a professional mortgage advisor who will make sure that you decide on an offer that fully meets your needs.
We have access to thousands of mortgage products across the UK market and will match your mortgage to your personal requirements.
We will take care of all the necessary paperwork and work with solicitors, lenders and specialists throughout the remortgage process to make sure your mortgage is running as smoothly as possible.
If you are a property investor or existing landlord considering purchasing a buy to let property you will need a specialist type of property loan known as a buy-to-let mortgage.
When purchasing a buy to let property, you can most often borrow up to 80% of the property value, which means you need to pay at least a 20% deposit. The lender will take into account the value of the property, the amount of rental income you can get for it and the amount of deposit paid.
Whether it's your first buy to let property or you already have other properties you're renting, every penny counts. We will search the entire loan market for you to find the best mortgage offer suited to your financial situation and expectations.
We have access to thousands of mortgage products across the UK market and will match your mortgage to your personal requirements.
MORTGAGE ADVISOR UK
Schedule a free consultation
Let's find the right solution for you.
Since 2012 we lear that every client is different which is why we always try to spend extra time with our clients to understand their needs and find out what is most important to them, what are their goals and dreams. We want to make sure that we help them achieve their short and long term goals.
LET'S SCHEDULE A FREE CONSULTATION. At a time that suits you. We will discuss your plans and expectations.
Our priority is to help you achieve your financial goals.