Mortgages

We recognise that purchasing a property is perhaps the biggest financial decision you make in your life. And for many, financing it can seem to be like a daunting maze! But you dont have to worry about it because this is where our expertise steps in to assist you navigate through the entire process in a detailed, friendly and profesional manner

As an independent mortgage advisor, we have access to comprehensive range of high street mortgage providers as well as other alternative lenders in the marketplace that you may not find in the high street. We will make the process of finding your home loan as simple and straightforward as possible. We will find the most competitive mortgage and remortgage rates relevant to your situation and assist you in every step of the process.

When choosing a mortgage you will face different types of deals depending on the interest rates. We will guide you to find the best rate deal for you, in order to match with your affordability and your needs.

Fixed – rate is fixed for a set number of years

Tracker – usually tracks Bank of England base rate at a set margin above or below it

Discounted – it is a discount on the lender’s standard variable rate (SVR) during two or three years

Standard Variable Rate (SVR) – normal interest rate your mortgage lender charges. Changes may occur after a rise or fall in the Bank of England base rate

Offset – link your saving  account to your mortgage so you only pay interest on the net balance

A mortgage application that uses RSU as a source of income is less common in the UK and entails a slightly more complex process. More details may be found in the dedicated page.

We cater to a variety of mortgage needs of our clients.  The below details some of the mortgage applications we can help with, however, this list isn’t exhaustive. Contact us to find out how we may be able to help you achieve your goals.

• Residential Purchases
• Buy to Let (BTL) Purchases
• Let to Buy (LTB)
• Remortgages (Residential & BTL)
• New Build Purchases
• Shared Ownership Purchase
• Expat Mortgages
• Second Charge Mortgages
• Bridge Loans                                                                         

Unfortunately there are many people who may be eligible for a mortgage that miss out because they dont take the initial steps due to a number of myths around who cannot get a mortgage, some of which are listed below. Come talk to us and we will bust any myths that may be holding you back and help you switch from renting to owning a home!

Myth 1: You need to have a perfect credit rating to get a mortgage

The truth: It’s certainly true that you’ll struggle to get a mortgage with a bad credit history, but by no means will your credit score need to be perfect. Talking to a mortgage advisor can help you find a suitable lender for your circumstance.

Myth 2: You need to have lived for at least 3 years in the UK for you to be elegible to get a mortgage OR you will require a large deposit.

The truth: Lenders look at a number of factors while assessing the maximum LTV they are willing to lend on an application. There are lenders who are willing to offer a mortgage for people who have lived in UK for less than 3 years. Talk to us for further insights.

Myth 3: You need to be a UK/EU national to get a mortgage above 75%LTV

The truth: Lenders look at a number of factors while assessing the maximum LTV they are willing to lend on an application. There are number of cases where one may get a higher LTV mortgage despite not being a UK/EU national. Talk to us for further insights.

Myth 4: You cannot get a mortgage if you are self employed

The truth: It’s a misconception that lenders see anyone not in full-time/permanent employment as a risk. With the rise in freelance, flexible and contract working in the UK, there are lenders who may take a much more individual approach towards assessing mortgage applications. There’s every chance they’ll lend to you provided your income is stable and sufficient.

Myth 5: You should wait until you find a property to buy before you look for a mortgage

The truth: The sooner you start looking for a mortgage the better it is if you’re considering buying. It will give you an idea of how big a mortgage you can get, and how much it will cost you. Talking to a mortgage advisor can help you get a headstart on your property purchase journey.