MORTGAGES
With over 100 years of combined mortgage experienced, there's no scenario we haven't seen or helped with at some point.
Here's a summary of where we can help you
If you already have a home with a mortgage, then you may look at remortgaging for several reasons - to find yourself a better deal, to consolidate existing debts or raise extra money for home improvements.
Usually, the best time to look for a new deal is about 3-4 months before your existing deal is due to expire, but even if you’re not there yet you can get in touch with us with the date for the end of your fixed rate, and we’ll get in touch with you when the time is right.
Remortgage
If you already have a home with a mortgage, then you may look at remortgaging for several reasons - to find yourself a better deal, to consolidate existing debts or raise extra money for home improvements.
Usually, the best time to look for a new deal is about 3-4 months before your existing deal is due to expire, but even if you’re not there yet you can get in touch with us with the date for the end of your fixed rate, and we’ll get in touch with you when the time is right.
Remortgage
The government’s Help to Buy scheme helps buyers to move into a new-build home with a deposit of just 5%, making houses affordable even to people with a small deposit. The Help to Buy scheme is available to both first time and next time buyers for purchases on new-build properties.
Help to Buy
When remortgaging, it may be possible for you to borrow extra money on top of your existing mortgage to pay for renovations or repairs to your home.
Home
Improvements
Moving home can be stressful, thanks to the seemingly endless paperwork and minefield of jobs that need to be done before you complete the move. There are many different parts to a house move, but we can help to take the stress out of getting the mortgage for you.
We can get you an AIP or DIP (Agreement or Decision in Principle) within a matter of minutes so that an estate agent will accept your offer, and then help to take you right through to completion.
Moving
Home
Buying your first home can be a daunting experience for anyone. For your first house purchase, you need to be sure that you have the best possible help and advice from fully trained professionals.
Whilst sometimes a stressful and scary time it is also hugely exciting and we will be with you along the way, taking care of everything to try and make the process as smooth and stress free as possible.
First Time Buyer
Buying a home to let out can be a great long-term investment. Whether you don’t have the first clue about the buy-to-let market or you are looking to add to your existing portfolio, we’re here to help you.
Buy to Let
The Right to Buy scheme is a system that allows tenants of council housing and housing associations the option to buy the property they are living in at a significant discount. Since is was introduced in 1980, around 1.5 million homes have been purchased through the scheme.
Right to Buy
You may also be able to borrow additional money on your mortgage to pay off existing credit cards and loans, which will often lower your monthly payments in the short term.
Debt
Consolidation
As well as buying an ordinary house to rent out, we can also help you to buy a holiday let on the coast, or a second home that you can make an escape to when things get too much!