Support your retirement with an equity release mortgage to unlock tax-free cash from your home. Whether it is your first or part of a portfolio, we can help you arrange the most cost effective mortgage. As a whole of market mortgage broker we are not tied to specific lenders, allowing us to find the right mortgage for you. Your advisor can help you to understand what level of deposit is needed for optimum loan-to-value.
Clear advice allows you to judge the risks and benefits of fixed rate vs variable rate mortgages and interest only vs repayment mortgages. Our past customers vary from first time buyers, to multiple buy-to-let owners and commercial properties. We've also helped self employed, contractors and those with a poor credit file to find the right mortgage for their circumstances.
Mark's advice was clear and his patience appeared to have no limit. He managed to secure a mortgage that was far better than anything we could find elsewhere. Les has provided us with mortgage and life insurance advice for 12 years and we highly recommend VA Mortgages.
Clear advice allows you to judge the risks and benefits of fixed rate vs variable rate mortgages and interest only vs repayment mortgages. Our past customers vary from first time buyers, to multiple buy-to-let owners and commercial properties. We've also helped self employed, contractors and those with a poor credit file to find the right mortgage for their circumstances.
Mark's advice was clear and his patience appeared to have no limit. He managed to secure a mortgage that was far better than anything we could find elsewhere. Les has provided us with mortgage and life insurance advice for 12 years and we highly recommend VA Mortgages.
Services
VA Mortgages prides itself as being a mortgage specialist.
We only advise on mortgage needs and associated products such as life insurance, income protection and home insurance.
We are proud of the fact that a large majority of our business comes from our existing clients and people referred to us by our clients.
It is our aim to provide you with a friendly and professional service that guides you through an ever more complex market so that you end up with the best solution for your needs.
Whether you are a first time buyer, looking to move home or an experienced residential property investor, our advisors will be equipped to deal with your needs.
We only advise on mortgage needs and associated products such as life insurance, income protection and home insurance.
We are proud of the fact that a large majority of our business comes from our existing clients and people referred to us by our clients.
It is our aim to provide you with a friendly and professional service that guides you through an ever more complex market so that you end up with the best solution for your needs.
Whether you are a first time buyer, looking to move home or an experienced residential property investor, our advisors will be equipped to deal with your needs.
Our friendly mortgage advisors are on hand to help you navigate the range of mortgages available on the market.
Working together, we will identify the right one to fit your unique circumstances.
VA Mortgages, a whole of market mortgage broker, advise on mortgages and associated products such as life insurance, income protection and home insurance.
Whether you are a first time buyer, looking to move home or an experienced residential property investor, our advisors will be equipped to deal with your needs.
Working together, we will identify the right one to fit your unique circumstances.
VA Mortgages, a whole of market mortgage broker, advise on mortgages and associated products such as life insurance, income protection and home insurance.
Whether you are a first time buyer, looking to move home or an experienced residential property investor, our advisors will be equipped to deal with your needs.
A mortgage is not a 'do it once and forget' financial product.
Remortgaging is the process of switching your mortgage to another lender, or renegotiating with your existing lender, for a better deal.
Essentially you are taking out a new mortgage contract in place of your existing one.
If you have been sitting on your lender's standard variable rate it is worth checking to see if there is a better product that could save you money.
If your circumstances have improved, or you would like to borrow money to improve your home, remortgaging can be a cost effective way to manage your finances.
Remortgaging is the process of switching your mortgage to another lender, or renegotiating with your existing lender, for a better deal.
Essentially you are taking out a new mortgage contract in place of your existing one.
If you have been sitting on your lender's standard variable rate it is worth checking to see if there is a better product that could save you money.
If your circumstances have improved, or you would like to borrow money to improve your home, remortgaging can be a cost effective way to manage your finances.
If you are considering purchasing a property, or adding to your property portfolio, in order to rent it out to tenants you will need a buy-to-let mortgage.
There are different mortgage products specifically for people who require a mortgage for a property they rent out.
Buy-to-let mortgages typically have higher rates than standard residential mortgages.
Lenders view this type of mortgage as higher risk, as the landlord often depends on the rent in order to pay the mortgage.
Should the tenant default on their rental payment, the lender sees a higher risk of the landlord being unable to pay mortgage.
There are different mortgage products specifically for people who require a mortgage for a property they rent out.
Buy-to-let mortgages typically have higher rates than standard residential mortgages.
Lenders view this type of mortgage as higher risk, as the landlord often depends on the rent in order to pay the mortgage.
Should the tenant default on their rental payment, the lender sees a higher risk of the landlord being unable to pay mortgage.
Taking your first step on to the property ladder can be daunting.
It is a significant investment with plenty of industry terminology to understand.
We have put together a short guide to help you understand what you need to know to help you choose the right mortgage for you.
When you start budgeting for your first house consider what your deposit is as a percentage of the total house price.
From this you can calculate your loan-to-value (LTV).
For example, if you have a deposit of 20,000 and you look to purchase a house that costs 200,000, you will have a mortgage of 180,000 and a LTV of 90%.
It is a significant investment with plenty of industry terminology to understand.
We have put together a short guide to help you understand what you need to know to help you choose the right mortgage for you.
When you start budgeting for your first house consider what your deposit is as a percentage of the total house price.
From this you can calculate your loan-to-value (LTV).
For example, if you have a deposit of 20,000 and you look to purchase a house that costs 200,000, you will have a mortgage of 180,000 and a LTV of 90%.
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