Mortgage Advice
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First Time Buyer
Re Mortgage
Homemovers
Second Home
Self Employed
Right To Buy
Shared Ownership
BUY TO LET
Regulated BUY TO LET
HMO & MUFB’s
Specialist
Expat
Mortgage specialist Ready To Assist You
Being in this situation can be very frustrating sometimes desperate. The vast majority of mortgages available from dozens of sources leaving you with nothing but confusion.
Thanks to the network we constantly built for years, we are able to access a wide range of high street and specialist lenders so you’ll get access to some of the best deals that you may be able to apply for.
We will take care of everything for you and make the process as easy as possible. So you could have a peace of mind and focus on the things more important to you.
First time buyer What Is First Time Buyer Mortgage?
A first-time buyer mortgage is a type of home loan specifically designed for individuals who are purchasing a property for the first time.
These mortgages can have more favourable terms, such as lower deposit requirements or higher affordability calculations, to help first-time buyers afford the cost of a home. Additionally, some lenders may offer incentives for first-time buyers.
Re Mortgage What Is Re Mortgage?
A re mortgage, is the process of paying off an existing mortgage with the proceeds from a new mortgage using the same property as collateral. The new mortgage may have a different interest rate, loan term, or other terms and conditions.
The goal of re mortgaging is usually to attain the borrowers most suitable re mortgage product that is available at the time or to take cash out of the equity in their home to use it for a certain purpose allowed by the lender.
Second Home What Is Second Home Residential Mortgage?
A second home residential mortgage is a loan used to purchase a second residence, typically for vacation or other reason which is allowed by the lender.
The terms and conditions of a second home mortgage can vary depending on the lender criteria and the cost of the mortgage and the household running costs will be taken into account when assessing the second home residential mortgage affordability.
Self-employed What Is Self-Employed Mortgage?
Self-employed individuals may have a more difficult time getting approved for a mortgage. Lenders may require additional documentation such as tax returns, LTD company accounts and business bank statements to verify stability of income.
This is because at the end of the day mortgage lenders need to have complete confidence that self-employed applicants can afford the mortgage they are taking out and their income will be consistent over future years.
Home mover What Is Home Mover Mortgage?
A home mover mortgage is a type of mortgage loan that is intended for individuals or families who are looking to purchase a new home while currently owning and then selling their current residential home.
Additionally, the lender may require the borrower to provide evidence of the sale of the current home, or to use the proceeds from the sale as a deposit for the new mortgage.
Right to buy What Is Right To Buy Mortgage?
The Right to Buy is a UK government policy that allows certain tenants of local authorities and housing associations to purchase their homes at a discounted price. The discount on the purchase is usually based on the length of time the tenant has been living at the property or has been a council/housing association tenant.
Right to Buy Mortgages help turn tenants who live in Housing Association or Council Homes into home owners and put them in a great position for the future.
Shared ownership What Is Shared Ownership Mortgage?
Shared ownership is a type of home ownership where a person purchases a portion of a property and pays a rent on the remaining portion and typically a service charge. The individual typically has the option to purchase additional shares in the property over time, until they own it outright.
This type of ownership is often used as a way for people who cannot afford to purchase a property outright to get on the property ladder. It is also often used as a way for people to purchase a property in an area where property prices are high.
Buy to let What Is Buy To Let Mortgage?
A buy-to-let or LTD Company buy-to-let mortgage is a type of loan specifically designed for individuals or companies who wish to purchase a property with the intention of renting it out to tenants. These mortgages typically have different requirements and conditions compared to traditional residential mortgages, such as higher deposit requirements and higher interest rates.
The rental income generated by the property is usually taken into consideration when assessing the applicant’s ability to make the monthly mortgage payments.
Regulated buy to let What Is Regulated Buy To Let Mortgage?
Regulated buy-to-let refers to a type of property investment where a landlord purchases a property with the intention of renting it out to tenants, but the landlord is subject to additional regulations beyond those that apply to standard buy-to-let investments.
In the UK, regulated buy-to-let typically refers to a situation where a landlord purchases a property with the intention of renting it out to a family member, who will use the property as their primary residence.
HMO & MUFB’s What Is House Of Multiple Occupation & Multi Unit Freehold Blocks Mortgage?
A House in Multiple Occupation (HMO) is a type of rental property that is shared usually by three or more unrelated tenants who share facilities such as a kitchen or bathroom.
HMOs are subject to specific regulations that aim to ensure the safety and wellbeing of tenants. These regulations cover issues such as fire safety, electrical safety, and minimum room sizes. Landlords who operate HMOs must usually obtain a license from their local authority, and failure to comply with the regulations can result in fines or even imprisonment.
The rules and regulations around HMOs can vary depending on the location, so if you are considering renting or letting an HMO, it is essential to do your research and make sure you understand the requirements that apply in your area.
Multi-unit freehold (MUFB) – is the name given to any group of independent properties that are listed under one single freehold title. MUFB can be involved with a number of different property types such as houses and flats,
Specialist & Adverse Credit What Is Specialist & Adverse Credit Mortgage?
Certain lenders allow adverse credit within there criteria specifically designed for individuals who have a poor credit history or have had blips in the past. These mortgages typically have higher interest rates and stricter lending criteria than traditional mortgages, as they are considered to be higher risk for the lender.
Adverse credit mortgages may be needed to purchase a home or re mortgage an existing one. Lenders target this sort of market by allowing certain levels of adverse credit within their lending criteria.
Expat and overseas What Is Expat And Overseas Mortgage?
UK Expat mortgages are home loans specifically designed for individuals who live and work outside of the UK. The property purchase is usually for investment purposes but in rare scenarios the lender may accept owner occupation. The eligibility criteria, interest rates, and terms and conditions of expat mortgages are set by the lender who will typically be based in the UK. There is typically stricter lending criteria and higher deposits in order to ensure more security for the lenders.
Overseas mortgages refer to a mortgage loan taken out by a borrower to purchase property located in another country. These loans may have different terms, interest rates, and requirements compared to domestic mortgages, and are subject to the laws and regulations of both the borrower’s home country and the country where the property is located. Some factors to consider before getting an overseas mortgage include exchange rates, property market conditions, and local property laws.
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Property finance loans Other Property Finance We Can Help With
No matter what loan you are looking for we will be able to help. Whether you need personal or business loans there will be options available to you.
- Secured Loans Second charge loans, also known as secured loans are called “second charge” loans because they take a secondary position behind the first charge mortgage on the property.
- Bridging Loans Bridging loans are a type of short-term financing used to “bridge” the gap between the purchase of a property and the securing of long-term financing or alternative methods to repaying the capital initially borrowed.
- Commercial & Development Finance A commercial mortgage is a type of loan used to finance the purchase or refinance of a commercial property, such as an office building, shopping centre, or apartment complex. Development finance mortgages are a type of mortgage that are typically used to finance the construction or development of property build projects.
- Lifetime Mortgages A lifetime mortgage is a type of equity release mortgage that allows homeowners to borrow money against the value of their home, while retaining ownership of the property. The loan does not have to be repaid until the borrower (usually the homeowner) dies or moves out of the home permanently.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage
repayments. A buy to let mortgage will be secured against your property. Some types of buy to let mortgages are not
regulated by the Financial Conduct Authority.
