We have over a decade of experience in the specialist mortgage markets. Helping clients buy first homes utilising government schemes, helping investors plan and execute their long term strategies and financing complex property or portfolio's. We are the experts in our field. Used Stuart several times and always been very helpful and provide a great service even when a (.)
Stuart was recommended to my by my brother and sister in law as he had assisted them on numerou(.) I've used Stuart's services multiple times over the last 12 months and recommended him to sever(.) I've used other advisers in the past and been caught out by excessive charges - essentially bei(.) Stuart has been more than helpful in explaining the process of getting a BTL mortgage to someon(.)
Stuart provided an excellent responsive service and demonstrated very good up to date knowledge(.) Very efficient service, always helpful and have been using for many years as my mortgage broker(.) We Contacted Stuart for advice on a difficult mortgage situation and he was very helpful and kn(.)
Stuart was recommended to my by my brother and sister in law as he had assisted them on numerou(.) I've used Stuart's services multiple times over the last 12 months and recommended him to sever(.) I've used other advisers in the past and been caught out by excessive charges - essentially bei(.) Stuart has been more than helpful in explaining the process of getting a BTL mortgage to someon(.)
Stuart provided an excellent responsive service and demonstrated very good up to date knowledge(.) Very efficient service, always helpful and have been using for many years as my mortgage broker(.) We Contacted Stuart for advice on a difficult mortgage situation and he was very helpful and kn(.)
Services
We are experts in our field, with decades of experience and a real appetite for the more complicated cases.
We specilise in harder to place residential, buy to let, specialist buy to let and adverse credit mortgages and we want to hear rfom you.
We beleieve everyone deserves a place on the property ladder and because we only get paid on success, if we cant find a solution for you we will give you a straight answer, give you all the advice we can to workaround issues and will always be available to discuss a case.
We specilise in harder to place residential, buy to let, specialist buy to let and adverse credit mortgages and we want to hear rfom you.
We beleieve everyone deserves a place on the property ladder and because we only get paid on success, if we cant find a solution for you we will give you a straight answer, give you all the advice we can to workaround issues and will always be available to discuss a case.
AALTO Mortgages have always been experts in complex cases.
Thats not to say we dont handle the straightforward mortgages out there, of course we and we hope that as you progress it all gets much easier!
Below are a few examples of the types of innovative, complex or unusual solutions we provide however.
We detail the options available, the lenders that we work with and link to case studies that give you real world examples of how we have solved even the toughest situations for our clients.
If it sounds like we fit the bill, and the solutions below might work for you, then dont hesitate to get in touch.
Thats not to say we dont handle the straightforward mortgages out there, of course we and we hope that as you progress it all gets much easier!
Below are a few examples of the types of innovative, complex or unusual solutions we provide however.
We detail the options available, the lenders that we work with and link to case studies that give you real world examples of how we have solved even the toughest situations for our clients.
If it sounds like we fit the bill, and the solutions below might work for you, then dont hesitate to get in touch.
The term "Bank of Mum and Dad" has been used in the media for a long time now to describe the fact that most young people need some help from family to get onto the housing ladder.
Typically this sort of family assisted mortgage is in the form of cash towards a deposit, however some lenders have created more innovative family assisted mortgages to help people get on the ladder.
Here we will explore how those family assisted mortgages work, who provides them and their relative pros and cons.
The most common ways for parents to help children obtain mortgages are either savings based schemes, or security based schemes.
Typically this sort of family assisted mortgage is in the form of cash towards a deposit, however some lenders have created more innovative family assisted mortgages to help people get on the ladder.
Here we will explore how those family assisted mortgages work, who provides them and their relative pros and cons.
The most common ways for parents to help children obtain mortgages are either savings based schemes, or security based schemes.
We work with sportsmen and women throughout the entirety of their careers.
Whatever sport you play professionally, whether you are a footballer, athlete, rugby player or professional athlete, getting a mortgage can be a little more complicated than you might expect.
Mortgages for sports professionals include a number of obstacles that you will need to consider before going ahead.
These include the effect that your career could have on your income, how potential injury could affect your income and whether this could impact on the mortgage you are applying for.
Whatever sport you play professionally, whether you are a footballer, athlete, rugby player or professional athlete, getting a mortgage can be a little more complicated than you might expect.
Mortgages for sports professionals include a number of obstacles that you will need to consider before going ahead.
These include the effect that your career could have on your income, how potential injury could affect your income and whether this could impact on the mortgage you are applying for.
So, you made the leap into self-employment.
Its liberating and incredibly stressful all at the same time.
It can also be extremely lucrative, and one would assume that that would be viewed positively by most lenders.
Unfortunately, lenders in the UK still struggle to understand self-employed customers, and more importantly we believe they massively overestimate the risks in comparison to those who are employed.
The reasoning is often that those who are employed have a much more stable income, however the risks of illness and injury are the same across industries, and whilst workers have rights under employment law, you can still be sacked if you don't perform, don't turn up or act against the companies interests.
Its liberating and incredibly stressful all at the same time.
It can also be extremely lucrative, and one would assume that that would be viewed positively by most lenders.
Unfortunately, lenders in the UK still struggle to understand self-employed customers, and more importantly we believe they massively overestimate the risks in comparison to those who are employed.
The reasoning is often that those who are employed have a much more stable income, however the risks of illness and injury are the same across industries, and whilst workers have rights under employment law, you can still be sacked if you don't perform, don't turn up or act against the companies interests.
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