Mortgages
First Time Buyers
Taking a mortgage is one of the most important financial decisions many people will make in their lifetime. With so many factors to consider it can be difficult to know where to start when looking for a mortgage. We have the expertise to guide you through every step of the process to ensure that it is as smooth as possible.
Purchase
When buying a property there are so many things to co-ordinate and juggle. We can help relieve some of the stress by helping to arrange your mortgage from start to finish. We will guide you through every step of the way and deal with all of the paperwork to help make it a pain free experience.
Remortgage
If you already have a mortgage, remortgaging is a good way to reduce your monthly mortgage payment by moving to a different lender who may be able to offer a better product than what you currently have. We’ll search the market for you to find the best deal to suit your circumstances.
Buy To Let
Investing in Buy to let property has become very popular in the UK and more people are turning to this investment class to provide profitable returns or for their retirement. We deal with investors at all ends of the spectrum, from First Time Landlords to experienced investors. We have access to the main high street lenders and also more specialist lenders.
Expat
As a UK National living overseas it can be very difficult to source a competitive mortgage and navigate through the criteria involved. More and more lenders offer Expat Mortgages and we can scour the market to ensure that you achieve the best possible deal to suit you.
International Clients
Obtaining a mortgage as a non-UK National can be very difficult as the majority of UK lenders do not cater for this segment of the market. We have relationships with Private Banks and more specialist lenders are who actively looking for these types of clients. Most countries around the world can be catered for and we can help structure a bespoke solution.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Commercial Mortages
When it comes to commercial mortgage there is no one size fits all solution and each lend is carefully structured and tailored according to the circumstances of the borrower and what they are looking to achieve. We can arrange all types of commercial mortgages from, shops and offices to industrial and everything in between.
Development Finance
If you are looking to undertake a development project it is very important to work with the right lender for your project. Whether you are doing a refurbishment of an existing property or a ground up new build it is critical to have a lender on board that is experienced and it able to take to right approach to your project.
Second Charges
Second charge mortgages are sometimes called secured loans and are essentially a second mortgage on top of the existing mortgage. This allows the owner to raise additional funds without disturbing the first charge mortgage. Funds can be used for a wide variety of reasons including home improvements, debt consolidation, additional property purchase or school fees.
Bridging Finance
Bridging finance is a short term finance solution usually for a term of 1 – 12 months. It can be used when a very quick completion is needed for example if buying a property through auction, or where a property is not mortgagable in its current state. Rates are higher than a traditional mortgage so it is important to have a good exit plan so as not to remain on a bridging loan for longer than necessary.
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