You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. Arranging a mortgage can be time consuming and complicated, our aim is to make it as simple and easy as possible for you.
We can help if you are moving home, buying your first home, remortgaging, releasing equity or financing an investment buy-to-let property. Arranging a mortgage can be time consuming and complicated, and our aim is to make it as simple and easy as possible for you. It was a pleasure to do business with The Complete Mortgage Company. Each process was explained clearly and the courteous and professional way they dealt with our new mortgage was refreshing and inspiring.
I would have no hesitation whatsoever in recommending the company. Nothing was too much trouble, they guided me through the mortgage process talking in easy to understand language.
We can help if you are moving home, buying your first home, remortgaging, releasing equity or financing an investment buy-to-let property. Arranging a mortgage can be time consuming and complicated, and our aim is to make it as simple and easy as possible for you. It was a pleasure to do business with The Complete Mortgage Company. Each process was explained clearly and the courteous and professional way they dealt with our new mortgage was refreshing and inspiring.
I would have no hesitation whatsoever in recommending the company. Nothing was too much trouble, they guided me through the mortgage process talking in easy to understand language.
Services
Buying a house is tricky enough; even as an experienced buyer there is plenty to know, and plenty to trip you up.
As a first time buyer it can be really complicated.
The trouble is that there is so much conflicting advice, not only online but from other sources too, well meaning friends, parents or the guy down the pub.
Mortgages are no longer as simple as they used to be.
Gone are the days where you can just multiply your income by 4 to reach your borrowing amount.
Lenders criteria now takes into account lots of differing factors and they look at a range of scenarios.
As a first time buyer it can be really complicated.
The trouble is that there is so much conflicting advice, not only online but from other sources too, well meaning friends, parents or the guy down the pub.
Mortgages are no longer as simple as they used to be.
Gone are the days where you can just multiply your income by 4 to reach your borrowing amount.
Lenders criteria now takes into account lots of differing factors and they look at a range of scenarios.
If you're planning to move home, it pays to get organised in advance and we can help you get things in order by talking you through the process.
We'll confirm the likely costs including solicitors, taxes, estate agents fees and valuation charges.
This will allow us to estimate the equity you will have available.
We can obtain an agreement in principle on your behalf too, this is where we submit a partial mortgage application for you which allows a lender to tell us whether they are likely to lend you the money, this will increase the strength of any offer you make.
We'll confirm the likely costs including solicitors, taxes, estate agents fees and valuation charges.
This will allow us to estimate the equity you will have available.
We can obtain an agreement in principle on your behalf too, this is where we submit a partial mortgage application for you which allows a lender to tell us whether they are likely to lend you the money, this will increase the strength of any offer you make.
When you get to the end of your current mortgage rate you will normally revert to your lenders standard variable rate (SVR) and although in the current low rate climate, this SVR may not be too bad, it's always worth looking at your options.
One of your options could be to remortgage.
We won't charge to tell you what is available and to advise you on the potential savings you might make.
Sometimes it's better to remortgage, sometimes it's better to stay with your current lender.
Many lenders may offer a new rate to you as an existing borrower and this option can be attractive but often these 'retention' rates are not as good as those offered to new borrowers by other lenders.
One of your options could be to remortgage.
We won't charge to tell you what is available and to advise you on the potential savings you might make.
Sometimes it's better to remortgage, sometimes it's better to stay with your current lender.
Many lenders may offer a new rate to you as an existing borrower and this option can be attractive but often these 'retention' rates are not as good as those offered to new borrowers by other lenders.
First time landlord or experienced portfolio owner, we can help you with your buy to let mortgage.
The whole buy to let environment has changed significantly over the last couple of years: the introduction of the stamp duty hike for landlords, the reduction of buy to let mortgage interest relief and the rules that mean that lenders are now required to treat landlords with 4 or more properties differently.
Even the way lenders calculate how much you can borrow on a buy-to-let has changed significantly over the last couple of years.
The whole buy to let environment has changed significantly over the last couple of years: the introduction of the stamp duty hike for landlords, the reduction of buy to let mortgage interest relief and the rules that mean that lenders are now required to treat landlords with 4 or more properties differently.
Even the way lenders calculate how much you can borrow on a buy-to-let has changed significantly over the last couple of years.
Are you an IT contractor or do you work in a self employed capacity on day rate for a company or organisation?
Contractors are a rare breed, paid on a day rate without the benefits that employees get but usually at a higher rate.
When it comes to getting a mortgage it can be very confusing, many brokers don't understand how the contractor gig works and will be asking for two or three years accounts, checking your net profit or dividends and asking about your directors remuneration.
Often the accounts don't reflect the actual income you are receiving and it can be the case that you are not able to borrow what you need.
Contractors are a rare breed, paid on a day rate without the benefits that employees get but usually at a higher rate.
When it comes to getting a mortgage it can be very confusing, many brokers don't understand how the contractor gig works and will be asking for two or three years accounts, checking your net profit or dividends and asking about your directors remuneration.
Often the accounts don't reflect the actual income you are receiving and it can be the case that you are not able to borrow what you need.
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