If you are looking for a mortgage to buy your first home, remortgage, move home or purchase an investment property, we are here to help. There is so much information available on the internet and it can be very confusing and overwhelming trying to decide which is the best mortgage for you. Understanding the complicated and time consuming application process can seem very daunting.
For most people, taking out a mortgage is the biggest financial commitment you will ever make, so choosing the right product for you is vital. Perhaps you have applied for a mortgage and been declined and you don't know what to do next. Everyone is different and our approach is to firstly get an in depth understanding of your unique circumstances and requirements.
We explain all the different mortgage types available to you and the potential costs involved. Research the whole of the mortgage market for you, including exclusive deals through our partnership with Legal & General Mortgage Club and Stonebridge Group Network, as well as lenders who only deal directly with mortgage brokers.
For most people, taking out a mortgage is the biggest financial commitment you will ever make, so choosing the right product for you is vital. Perhaps you have applied for a mortgage and been declined and you don't know what to do next. Everyone is different and our approach is to firstly get an in depth understanding of your unique circumstances and requirements.
We explain all the different mortgage types available to you and the potential costs involved. Research the whole of the mortgage market for you, including exclusive deals through our partnership with Legal & General Mortgage Club and Stonebridge Group Network, as well as lenders who only deal directly with mortgage brokers.
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I've worked in Financial Services since 2003 and having talked to hundreds of clients over the years one of their biggest struggles is that they find mortgages and the house buying process confusing and overwhelming.
There is so much information available on the internet and even some conflicting advice on the best way to get a mortgage, that it can seem hard to know where to start.
I set up the business because I wanted to make things simpler for my clients.
I'm here to help people who are looking to buy their home, by focusing on you, the client, on your customer journey and experience, and offering the best, most appropriate mortgage and protection advice - whether you are a first time buyer, moving home, looking to save money by remortgaging for a better rate, or buying an investment property to let out.
There is so much information available on the internet and even some conflicting advice on the best way to get a mortgage, that it can seem hard to know where to start.
I set up the business because I wanted to make things simpler for my clients.
I'm here to help people who are looking to buy their home, by focusing on you, the client, on your customer journey and experience, and offering the best, most appropriate mortgage and protection advice - whether you are a first time buyer, moving home, looking to save money by remortgaging for a better rate, or buying an investment property to let out.
It can also be a minefield of processes, paperwork and jargon, which can very quickly become overwhelming.
Who does what?
What's the right mortgage?
What on earth is a loan to value?
How much can you borrow?
What is an Agreement in Principle?
So much stuff to take in!
We'll start the process by completing a detailed review of your circumstances, including income, expenditure & credit history, to get a thorough understanding of your situation.
We'll advise on all the different mortgage products and schemes available to First Time Buyers and explain all the mortgage options that are available to you, including how much your borrowing potential is and the costs involved in buying a home.
Who does what?
What's the right mortgage?
What on earth is a loan to value?
How much can you borrow?
What is an Agreement in Principle?
So much stuff to take in!
We'll start the process by completing a detailed review of your circumstances, including income, expenditure & credit history, to get a thorough understanding of your situation.
We'll advise on all the different mortgage products and schemes available to First Time Buyers and explain all the mortgage options that are available to you, including how much your borrowing potential is and the costs involved in buying a home.
There are many reasons to consider a remortgage.
It may be because your special rate is coming to an end, and you'd like to switch to another deal to avoid reverting to your lender's Standard Variable Rate.
You may wish to raise some capital from the equity in your home - for things such as home improvements, or you simply want to look at the market for a better deal.
Whatever your reasons for remortgaging it is important to get expert advice.
We will research the products that your existing lender have on offer to keep you as a customer, called retention products, and compare them to remortgages available from the whole of the mortgage market, to advise you what is the best and cheapest solution for you.
It may be because your special rate is coming to an end, and you'd like to switch to another deal to avoid reverting to your lender's Standard Variable Rate.
You may wish to raise some capital from the equity in your home - for things such as home improvements, or you simply want to look at the market for a better deal.
Whatever your reasons for remortgaging it is important to get expert advice.
We will research the products that your existing lender have on offer to keep you as a customer, called retention products, and compare them to remortgages available from the whole of the mortgage market, to advise you what is the best and cheapest solution for you.
There is no doubt about it, the mortgage market in the UK has seen some significant changes over the last few years, and certainly recently.
Obtaining a mortgage has become more complicated, especially with the new affordability rules and lending policy changes.
We've had clients contact us after they've been refused a mortgage on their new home, by their current lender - due to not meeting their new affordability rules or updated criteria.
The application and underwriting process is also more involved, and it is vital to get expert advice from a whole of market mortgage specialist.
Obtaining a mortgage has become more complicated, especially with the new affordability rules and lending policy changes.
We've had clients contact us after they've been refused a mortgage on their new home, by their current lender - due to not meeting their new affordability rules or updated criteria.
The application and underwriting process is also more involved, and it is vital to get expert advice from a whole of market mortgage specialist.
It's really important to get professional advice, from both a whole of market mortgage broker and an accountant, to make sure you are getting the right product for your circumstances.
Some lenders use varying tiers, depending on the applicant's tax band and the length of the product term - so placing your Buy to Let mortgage with the best lender to suit your circumstances is vital.
Some Buy to Let lenders have also introduced transitional rules, meaning that if you are remortgaging your Buy to Let property and are not looking to raise any additional capital, so a "like for like" remortgage, you may not be affected by the new, higher stress tests imposed on new purchases, which has resulted in a reduced borrowing capacity in some cases.
Some lenders use varying tiers, depending on the applicant's tax band and the length of the product term - so placing your Buy to Let mortgage with the best lender to suit your circumstances is vital.
Some Buy to Let lenders have also introduced transitional rules, meaning that if you are remortgaging your Buy to Let property and are not looking to raise any additional capital, so a "like for like" remortgage, you may not be affected by the new, higher stress tests imposed on new purchases, which has resulted in a reduced borrowing capacity in some cases.
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