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Mortgages:

Financial ServicesGetting the keys to your new house is one of the most satisfying experiences that we have; this is what many of us aspire. So whether you are a first time buyer or a next time buyer, you will need a mortgage in order to make that important move. With our understanding of the property market and unhindered access to financial market, we are always here to turn to for reliable information and for getting the job done on time.

However, on the other hand, if you are looking to capitalise on the growth in the value of the property in order to finance other projects- a remortgage is what you need. Remortgaging a property in order to finance debt consolidation, home improvements or even a business, is now a real occurrence.

Finding the right mortgage in these days of increased choice can be a daunting prospect. With our guidance, you will be able to obtain a mortgage that is suitable for you and your unique circumstances and requirements.

Loans:

You may be considering booking the holiday of a lifetime; carrying out home improvements or in fact buying a new car. It is likely that you may need financing in order to complete this transaction. If the loan that you want is a short term loan, say for around 5 years, a personal loan is most ideal. The range of personal loans on offer by the banks and other financial houses is £1000- £25,000.

However, if you need the loan for a longer term, then the lending institution will require a form of security- the most acceptable will be the home that you live in. This type of loan is known as a secure loan. This is normally for a longer term, as a result the monthly payments tend to be smaller and the interest also tends to be more competitive. The amount lent can be as high as £500,000, the bank is assured as the funds are secured against your home; the amount lent is directly proportional to the level of equity that is in the property at that time.

Because of the plethora of loans that is availability on the market, with different terms and interest rates, it is best to receive the best advice and guidance before committing.

Mortgages:

Some People are quite happy to shop around for the best Mortgage products without any help. And that is fine!

There comes a time when you need expert guidance, insightful advice and straight forward objective analysis. That is where we come in. We have access to the entire Mortgage market. We can therefore offer you Mortgage advice that is specific to you and your unique circumstances.

For a free independent advice, call us on 0800 107 1787


Buy-To-Let Mortgages:

A buy-to-let (or investment) mortgage was created for Borrowers who want to invest in properties either for equity growth or for high yield. Whatever the reason for investing in buy-to-let, the property will always be occupied by a third party i.e. the tenant.

Because if the potential long term and short term profitability of property investment, buy-to let mortgages have proved to be very popular, being the making vehicle for acquisition of such properties. As a result, the mortgage market for buy-to-let has become very competitive, with mortgage companies providing fixed, discounted and variable rate mortgages.

Are you interested in a buy-to-let mortgage?

These are some things that you need to know:

  • You will be required to have a deposit of 15-30% of the valuation of the property, depending on your circumstances and the rental income.
  • The Lenders mostly calculate the amount of money that will be lent to you based on the rental income; they will normally require that the rent exceeds the mortgage payment by between 110 – 130%
  • The Lender will also want to know the source of your funds for the deposit.

For further information or free no obligation consultation, call us on: 0800 107 1787