Prosper Home Loans are here to give you valuable and comprehensive information about UK Mortgages. With whole of market access to thousands of UK mortgages we work both locally in and around the Sussex area and across the UK to help our clients find a mortgage that exactly suits their needs. A mortgage is often the biggest financial commitment you will make and getting professional advice is vitally important and could save you thousands or even tens of thousands of pounds over the life of the property loan.
Mortgage Brokers and Advisors based in Hastings and East Sussex we have been providing expert mortgage and insurance services locally and to the UK market for many years. We now have opened new offices Crawley, Eastbourne, Hailsham, Horsham and West Malling to offer expert mortgage advice in these areas and the surrounding areas. At Prosper Home Loans we also offer face to face appointments as well as skype, telephone, and email or whatever method suits our clients needs.
We are proud to make ourselves available 7 days a week from 9am - 9pm.
Mortgage Brokers and Advisors based in Hastings and East Sussex we have been providing expert mortgage and insurance services locally and to the UK market for many years. We now have opened new offices Crawley, Eastbourne, Hailsham, Horsham and West Malling to offer expert mortgage advice in these areas and the surrounding areas. At Prosper Home Loans we also offer face to face appointments as well as skype, telephone, and email or whatever method suits our clients needs.
We are proud to make ourselves available 7 days a week from 9am - 9pm.
Services
The service you provided me was outstanding, without your help I do not think I would have been able to buy this house I went to many mortgage brokers who gave me false hope and wasted my time.
Your service provided me with quick response up to date information and you was never too busy to answer my call.
I would like to thank you for all your help without this service it would have been impossible for me to be were I am once again.
Thank you and your team and I would highly recommend you to everyone.
Your service provided me with quick response up to date information and you was never too busy to answer my call.
I would like to thank you for all your help without this service it would have been impossible for me to be were I am once again.
Thank you and your team and I would highly recommend you to everyone.
Whether you are buying a freehold or leasehold property, here at Prosper Home Loans we have the experience needed to help and guide you to the best available mortgage deal for your circumstances.
We aim to provide you with as much information as possible on our website, but we are always available to speak to you to advise and reassure you.
We aim to provide you with as much information as possible on our website, but we are always available to speak to you to advise and reassure you.
What is a Mortgage?
A mortgage is a legal agreement where money can be loaned to you so that you can buy property or land.
A mortgage usually runs for 25 years, but can be altered to a longer or shorter period of time.
The purpose of a mortgage is to secure the loan against the value of the property or land until it has been paid off.
The money you borrow from a lender is called the capital.
The lender will charge interest on the capital until it has been repaid.
The type of mortgage you apply for can be determined by whether you want to repay interest or interest and capital.
A mortgage is a legal agreement where money can be loaned to you so that you can buy property or land.
A mortgage usually runs for 25 years, but can be altered to a longer or shorter period of time.
The purpose of a mortgage is to secure the loan against the value of the property or land until it has been paid off.
The money you borrow from a lender is called the capital.
The lender will charge interest on the capital until it has been repaid.
The type of mortgage you apply for can be determined by whether you want to repay interest or interest and capital.
With the Help to Buy Mortgage Guarantee scheme, you are responsible for the repayments on the whole mortgage you take out but the government will offer a guarantee on a part of your mortgage.
This means that lenders who participate in this scheme are in effect able to offer mortgages of up 95% of the purchase value.
There are some conditions attached to the Help to Buy schemes and we have happy to discuss this with you to see if a Mortgage Guarantee scheme is suitable for you.
This means that lenders who participate in this scheme are in effect able to offer mortgages of up 95% of the purchase value.
There are some conditions attached to the Help to Buy schemes and we have happy to discuss this with you to see if a Mortgage Guarantee scheme is suitable for you.
Share to Buy is a government scheme which is offered through housing associations and which is designed to help people get on the property ladder and own their home.
This is a Shared Ownership Scheme, which means you don't have to buy all of the property you live in but you can buy only a part of your home, depending on how much you can afford.
You can buy between 25% and 75% and you would arrange a mortgage for your purchase just as you would with any other purchase.
Once you own part of your home, you pay off your mortgage and you continue pay rent on the share you have not yet bought.
This is a Shared Ownership Scheme, which means you don't have to buy all of the property you live in but you can buy only a part of your home, depending on how much you can afford.
You can buy between 25% and 75% and you would arrange a mortgage for your purchase just as you would with any other purchase.
Once you own part of your home, you pay off your mortgage and you continue pay rent on the share you have not yet bought.
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