Buying your first home is an exciting and equally challenging experience. Our mortgage advisers are experts in the process from the very start, where you're curious as to what you can borrow and how much that costs, to the very end, when you pick up the keys to your very first home.
We have a wealth of industry knowledge in each stage of the process and we'll provide you with a clear plan of action to achieve the ultimate dream of owning your first home.
Remortgaging is usually required many times throughout the term of a mortgage until it is repaid in full. At the end of your current deal, it's best to consider what options are available to you for the next product period and this is a great opportunity to consider your current mortgage lender can offer compared to others. This is where our mortgage advisers can help you to understand the various options available to you and to structure the change to avoid unnecessary charges or costs.
This could be a great time to consider borrowing additional funds to carry out home improvements, and many other purposes.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Moving home can be for a variety of reasons. Upsizing, downsizing, relocation or fresh start. Our mortgage advisers will consider your current circumstances and give specific advice to your needs and preferences to help you make an informed and stress-free move. Our advice also covers what best to do with your current mortgage and consider whether porting is a viable option for you.
We also provide advice on let to buy transactions where your existing home is kept and rented when you move to your next home. All costs associated are considered and shared within our tailored advice to you personally.
It's possible to borrow additional funds to your existing mortgage loan without changing the terms agreed and incurring a charge. The most common reasons for additional borrowing are carrying out home improvements, and many other purposes.
Our mortgage advisers are experienced in the process of arranging further borrowing and can guide you to understand the most cost-effective solution for your needs.
Buy to let mortgages are available to experienced landlords and first-time landlords too. Our mortgage advisers are experts in understanding the various criteria and expectations of buy to let mortgage providers to guide you with your investment.
A buy to let mortgage is often a great option for someone looking to enter the rental property market. The motive could be to generate monthly income for the owner from profits made or providing a medium to long term investment strategy which could ultimately build long term wealth through capital appreciation.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
The most common reasons for additional borrowing are carrying out home improvements, paying for a wedding, buying a car, funding a holiday and debt consolidation. Our mortgage advisers are experienced in the process of arranging further borrowing and can guide you to understand the most cost-effective solution for your needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £650.
If you're looking for specific advice for your circumstances you can read our frequently asked questions below which provide answers to the most common questions we get asked. If you can't find the answer to your question, you can get in touch with one of our expert advisers who will help you with the answer.
