Mortgages & Loans

First Time Buyers

Buying a house is one of the most important purchases you will make, and buying a home for the first time can be an even more daunting prospect. We have a vast array of Mortgage products to offer you, so you will always find something that suits your requirements.

If you are a first time buyer struggling with a deposit then we can help as we have brand new homes all over UK which come with deposit paid. Please fill in the enquiry form and a professional Mortgage Advisor will contact you or alternatively you can call us on  Freephone 0800 055 6866.

Remortgages

When you remortgage, you are switching your mortgage to another lender to get a better deal or to raise finances.

The reason people remortgage is because it simply saves you so much money. Most people who are homeowners will probably be paying the standard variable interest rate to the same mortgage lender year in and year out. If you are one of these people you are probably spending a lot more money than you actually need to buy your home.

Remortgages are very popular, and with good reasons. The reason may be for:

• A better deal
• Need extra money
• Home improvements
• Holiday
• Better Mortgage
• Save money
• Brand new car

If you are looking to replace your existing Mortgage with a better one simply fill out our quick enquiry form.

We can remortgage up to 95% of your property which will give you extra finances.

 

Secured Loans

What is a secured loan?

A secured loan is one that is secured against an asset, usually your home, and these loans can often take longer to process that unsecured loans simply because of the additional information required, such as property valuations and proof of home ownership. However, this type of loan is also the most affordable option for many borrowers and there are a number of factors that can determine how much you will end up repaying on a monthly basis.

Why choose a secured loan?

Secured loans allow you to borrow more and repay over a longer period than a personal loan – up to 25 years. They can normally be used for almost any purpose and as the lender has the benefit of security they can be offered to people who may be excluded from other loans. Borrowers who are self-employed, have recently changed jobs or have previous credit problems will be considered for a secured loan. They are also useful for borrowing larger sums or where the applicant requires a longer repayment period.

How can I find the best deal for me?

Finding the best secured loan for your situation can be complicated as there are many factors for the lender to take into account. With so many providers offering secured loans, trying to compare them all yourself could take forever. We will offer you all the loans which are applicable to yourselves. All you need to do is just fill in the enquiry form or call us now on  Freephone 0800 055 6866  to speak to a professional Mortgage Advisor.

 

BTL Mortgages

Buy to Let Mortgages are mortgages specifically designed for people who want to invest in the property market by purchasing one or more houses and letting them out to tenants. The Owner is then able to benefit from any appreciation in the capital value of the house itself. They are also likely to be able to maintain the property and meet much of the loan repayment from the revenue realised by letting. The buy to let phenomenon has driven house prices higher over the last few years while making a broader section of rental accommodation available.

When buying to let it is important to know the market in which you will be trying to let your property. It may be worth getting help from a letting agent who knows the area, what is in demand and what the likely pitfalls will be. By planning carefully and purchasing wisely you ought to get a property which requires little maintenance and is attractive to tenants.

Many high street banks and building societies now offer a buy to let mortgage product. Our Independent Mortgage Adviser will also be able to recommend mortgage arrangements which are not available on the high street and which will more perfectly meet your buy-to-let mortgage requirements.

All you have to do is call us on Freephone 0800 055 6866 or just simply fill in the enquiry form and we will call you back as soon as possible.