For seasoned investors and for new landlords looking to take their first steps into the rental property market. We are a firm of financial advisors based in Cheshire in the North West of England. We provide advice to both individuals and companies on certain aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising their objectives.
Mortgage Solutions are a 'Whole of Market Mortgage Broker' which means we are not tied to any lender. This allows us to deal with any Bank, Building Society and Institution giving us access to over 3,000 different mortgage deals, many of which are not accessible to the general public. We are confident we'll find the best deal for you. Mortgage Solutions have been providing advice and making recommendations on Mortgages, Loans, Insurances and other related products since the year 2000.
We have an existing customer bank of loyal and satisfied clients which have grown through referrals and customer recommendation.
Mortgage Solutions are a 'Whole of Market Mortgage Broker' which means we are not tied to any lender. This allows us to deal with any Bank, Building Society and Institution giving us access to over 3,000 different mortgage deals, many of which are not accessible to the general public. We are confident we'll find the best deal for you. Mortgage Solutions have been providing advice and making recommendations on Mortgages, Loans, Insurances and other related products since the year 2000.
We have an existing customer bank of loyal and satisfied clients which have grown through referrals and customer recommendation.
Services
This is the simplest type of mortgage.
The payments you make to the lender every month pay off the capital and the interest of the loan.
Provided you keep up with the payments you are guaranteed to pay off the loan by the end of the term agreed (usually 25 years).
The lender calculates your monthly repayments depending on the amount borrowed, how long for, the interest rate and how the rate you have chosen is set.
For many people interest only mortgages are called endowment mortgages or even 'pension mortgages'.
The payments you make to the lender every month pay off the capital and the interest of the loan.
Provided you keep up with the payments you are guaranteed to pay off the loan by the end of the term agreed (usually 25 years).
The lender calculates your monthly repayments depending on the amount borrowed, how long for, the interest rate and how the rate you have chosen is set.
For many people interest only mortgages are called endowment mortgages or even 'pension mortgages'.
We understand that getting that first foot on the ladder can be hardso we have all the help you'll need to get that lift up.
Being a first-time home buyer can feel hard enough on its own, but, when you also have to learn about mortgages, it can seem even more difficult.
However, you may not necessarily be a first time buyer and you don't even realise.
You're having a property bought for you by someone who already owns their own home, such as a parent or guardian.
When getting a first-time mortgage, you should start by finding out how much you're able to use as a deposit, and how much you can borrow.
Being a first-time home buyer can feel hard enough on its own, but, when you also have to learn about mortgages, it can seem even more difficult.
However, you may not necessarily be a first time buyer and you don't even realise.
You're having a property bought for you by someone who already owns their own home, such as a parent or guardian.
When getting a first-time mortgage, you should start by finding out how much you're able to use as a deposit, and how much you can borrow.
Buy-to-let mortgages are powerful tools both for seasoned investors and for new landlords looking to take their first steps into the rental property market.
Most borrowers take out an interest-only mortgage for their chosen property.
They then only pay the interest on the loan as it accrues every month, generally from the proceeds of the rent they collect.
The capital debt - the full amount of the mortgage - is paid at the end of an agreed term.
Repayment mortgages are also available, and are becoming a popular alternative.
Most borrowers take out an interest-only mortgage for their chosen property.
They then only pay the interest on the loan as it accrues every month, generally from the proceeds of the rent they collect.
The capital debt - the full amount of the mortgage - is paid at the end of an agreed term.
Repayment mortgages are also available, and are becoming a popular alternative.
It's your only, or main home.
It's self-contained, ie, you don't share any rooms (including kitchen, bathroom and toilet) with people outside your household.
You're a secure tenant (there's a legal contract between you and the landlord).
You've had a public sector landlord (eg, a council, housing association or NHS trust) for three years (it doesn't have to be three years in a row).
You have no legal issues with debt.
We can help you acquire the mortgage you need to secure the ownership of your property.
It's self-contained, ie, you don't share any rooms (including kitchen, bathroom and toilet) with people outside your household.
You're a secure tenant (there's a legal contract between you and the landlord).
You've had a public sector landlord (eg, a council, housing association or NHS trust) for three years (it doesn't have to be three years in a row).
You have no legal issues with debt.
We can help you acquire the mortgage you need to secure the ownership of your property.
A self build mortgage is released at key stages of the build unlike a traditional mortgage where funds are released in one lump sum upon sale completion.
Some self build lenders will lend on the plot purchase too, but not all do.
Rates of interest are typically higher than the standard house purchase/remortgage rates currently available, and the arrangement fees also vary from lender to lender.
Once the property is habitable, some lenders permit the borrower to switch to a lower rate of interest.
Some self build lenders will lend on the plot purchase too, but not all do.
Rates of interest are typically higher than the standard house purchase/remortgage rates currently available, and the arrangement fees also vary from lender to lender.
Once the property is habitable, some lenders permit the borrower to switch to a lower rate of interest.
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