Mortgages

We’re dedicated to providing the right service for your circumstances and understanding of the housing market. At initial consultation your advisor will be able to discuss each stage of the buying process, different mortgage products and their merits, as well as your general affordability and budget. We will also give you detailed information on different property survey types and associated costs such as solicitor fees and potential stamp duty.

First Time Buyer

Moving Home

Although you will have previous experience purchasing a property, there are still a number of moving parts, including being in the middle of a chain for the first time. We have the same process and duty of care to make the process of securing your new home as seamless as possible.

Remortgage

With interest rates beginning to decrease, we want to make sure you're getting best value for money in an increasingly competitive rate market. We will conduct a full market appraisal and compare this to what your existing lender can offer. There are plenty of remortgage products where lenders will cover associated fees, so switching provider can be cheaper and easier than you may think.

Capital Raising

We regularly see clients looking to raise additional funds for things like home improvements, a gift to family, or to fund an additional property purchase. We will assess the whole market to find the most cost-effective solution, whether this be remortgaging elsewhere and releasing equity, or requesting a additional borrowing from your existing lender.

Self-employed & Contractors

We have extensive experience with self-employed clients, from experienced sole traders to limited company directors. Not all providers treat self-employed clients with the same criteria, with certain lenders now accepting as little as one year’s self-employed history.

The same goes for contract workers. Although there have been legislative changes in this area, we assist clients in finding a suitable lender by navigating criteria around contract value, contract history and future plans.

Development

If you’re looking to purchase a property that requires more than just general improvements, you may need specific finance from outside one of the big name lenders. We will help source the right lender, product and outline the different requirements and stages so you’re fully prepared for the project to come.

Buy To Let

This market has seen significant change in recent times, namely changes to personal and stamp duty tax liability. There has also been an increase in limited company buy to let transactions and the lenders that cater to this area. Many lenders have no minimum income criteria for buy to let applications, instead relying on the rental value to determine what you can borrow.