Remortgage
Let us take away the time and effort from you. Our expertise will ensure that you don’t waste hours shopping around and ending up with the wrong product. By switching lenders and getting you a better interest rate we can reduce your monthly outgoings. In many cases this can be done without you having to pay solicitor, survey or any lender fees. Contact us for further details.
First Time Buyer
Got a deposit? Don’t have a deposit? Need to borrow extra to cover additional costs such as ‘offers over’ or setup fees? Maybe you just want to know what’s involved and how to go about arranging a mortgage. Contact us for further details.
Debt Consolidation
Whether you are considering combining other loans or maybe borrowing extra money to pay off credit cards, we can guide you through the options available and explain the Pro’s and Con’s. Contact us for further details.
Credit Repair Specialists
If you have been involved with, or had, Arrears, Defaults, Decrees, CCJ’s, IVA, Scottish Trust Deed, Bankruptcy or any other voluntary arrangement we could help to get you back on track and reduce your outgoings. Contact us for further details.
Professional / Graduate Mortgages
If you are a fully qualified, practicing Medical Doctor, Dentist, Accountant, Solicitor, Vet, Pharmacist or Teacher, we can arrange specialist mortgages with many enhanced features such as higher Income Multiples, higher Loan to Value or Extended Terms.
If you are educated to Degree standard from a recognised UK University and are employed on a permanent basis, mortgages with enhanced features are also available. Contact us for further details.
Up to 130% Loan to Value Mortgages
If you have a good credit history, we can access mortgages that will lend up to 130% of the value of the property. This is particularly useful if you need to cover additional costs such as ‘offers over’ or setup fees. Contact us for further details.
Council House Purchase
As a sitting tenant you could buy your home and possibly pay less for a mortgage than you are currently paying in rent. A revised ‘Right To Buy Scheme’ took effect for anyone who moved home or took up a new tenancy after 30th September 2002. What is your discount entitlement? Let us explain it. Contact us for further details.
Self Certified Mortgages
In today’s ever changing world more and more lenders understand that peoples circumstances change. Many people have more than one income, work can be seasonal, many employees income is made up of bonus, overtime etc. People in these categories may find it difficult to obtain a mortgage. We can arrange mortgages that allow you to certify your own income. Contact us for further details.
Self Employed
We have access to a range of mortgages for the self employed. Maybe, you have 3 years accounts or less, or maybe you do your own book-keeping. Perhaps you are working on a short term contract. Talk to us and we will help. Contact us for further details.
Buy to Let
Whether you already have an established property portfolio and are looking for a better interest rate or you are considering becoming a landlord for the first time, talk to us. We will explain everything from deposits to projected rental income. From multiple occupancy rules to the new regulations for private landlords which took effect on the 31st of March 2006. Contact us for further details.
Capital Raising / Equity Release
If you have built up sufficient equity in your home it doesn’t have to be locked away. Whether it is for home improvements, to buy a new car, clear debts or maybe go on a holiday of a lifetime, let us advise you on the best way forward. Contact us for further details.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
Think carefully before securing other debts against your home.
|
