Chiltern Mortgage Advisors is a friendly and experienced mortgage brokerage based in Beaconsfield, Buckinghamshire. We will use our years of mortgage broking experience on your behalf to guide you through the mortgage process and get you the very best deal. We aim to provide a total service from start to finish, helping you along every step of the way and making the whole process as simple as possible.
Looking to purchase a property? We can help. It can be pretty confusing out there in the mortgage market but having an experienced guide helps a lot. We will talk through your requirements, suggest a solution and research the market for the very best rate on your behalf. Is your current deal running out? Are you still on the best rate? Have a chat to us and we will look at your options.
It's not always the best idea to swap providers but we will tell you if you should be considering it. Are you thinking of buying a property as an investment? Buy to let mortgages rely primarily on the rent from the property rather than your income.
Looking to purchase a property? We can help. It can be pretty confusing out there in the mortgage market but having an experienced guide helps a lot. We will talk through your requirements, suggest a solution and research the market for the very best rate on your behalf. Is your current deal running out? Are you still on the best rate? Have a chat to us and we will look at your options.
It's not always the best idea to swap providers but we will tell you if you should be considering it. Are you thinking of buying a property as an investment? Buy to let mortgages rely primarily on the rent from the property rather than your income.
Services
Chiltern Mortgage Advisors was founded to provide excellent mortgage broking services in Buckinghamshire and the surrounding counties.
Our aim is to use our years of experience and extensive contacts to make the process of getting a mortgage as simple as possible.
These days it's not as easy as checking a mortgage best buy table, or talking to the bank that you hold your current account with.
Whilst it is possible that you might end up with the best deal this way there are a many factors that you may not have considered that could have an impact on your decision.
Our aim is to use our years of experience and extensive contacts to make the process of getting a mortgage as simple as possible.
These days it's not as easy as checking a mortgage best buy table, or talking to the bank that you hold your current account with.
Whilst it is possible that you might end up with the best deal this way there are a many factors that you may not have considered that could have an impact on your decision.
It can be a be a bit daunting when you need to get a mortgage to purchase a new home.
Whether you are a first time buyer, or have moved many times, there are lots of questions that you need answers to.
How much deposit do I need?
How much can I borrow?
What is the most suitable deal for my requirements?
These are just a few of them.
A good mortgage broker should be able to talk you through all the issues that might impact your decision.
With over 20 years experience there aren't many situations that we haven't seen.
Whether you are a first time buyer, or have moved many times, there are lots of questions that you need answers to.
How much deposit do I need?
How much can I borrow?
What is the most suitable deal for my requirements?
These are just a few of them.
A good mortgage broker should be able to talk you through all the issues that might impact your decision.
With over 20 years experience there aren't many situations that we haven't seen.
There can be several reasons to consider remortgaging.
If your initial rate is running out then checking to see if your existing lender will offer you a better deal to stay with them is a good idea.
You should also be checking to see if another lender will offer you a better deal.
Whatever you do, don't let your current mortgage automatically change to the lenders Standard Variable Rate as this is likely to be much more expensive.
You may also be considering raising some funds, perhaps for a home extension, or maybe to consolidate some debt on better terms.
If your initial rate is running out then checking to see if your existing lender will offer you a better deal to stay with them is a good idea.
You should also be checking to see if another lender will offer you a better deal.
Whatever you do, don't let your current mortgage automatically change to the lenders Standard Variable Rate as this is likely to be much more expensive.
You may also be considering raising some funds, perhaps for a home extension, or maybe to consolidate some debt on better terms.
The main difference between buy to let mortgages and residential mortgages is that the size of the mortgage available is based on the rent from the property, and how big the loan is in relation to the value of the property.
Many lenders like the borrower to have an income of at least 25,000pa as well.
There are other considerations to take into account when investing in property.
The stamp duty is higher by 3% than a residential property and the government is proposing a change in the tax regime that removes the relief that higher rate tax payers used to enjoy.
Many lenders like the borrower to have an income of at least 25,000pa as well.
There are other considerations to take into account when investing in property.
The stamp duty is higher by 3% than a residential property and the government is proposing a change in the tax regime that removes the relief that higher rate tax payers used to enjoy.
There are many reasons that bridging finance may be required.
The most common of these is when a property needs to be purchased, but an existing property has not yet been sold.
Another is when work needs to be done to a property before a more standard mortgage can be applied for.
There are lenders that specialise purely in providing funds for bridging.
In recent years fierce competition has meant a drop in rates but compared to standard mortgage finance, the costs are still high.
We will assess if traditional bridging finance is the best route for you, or if other forms of lending may be appropriate.
The most common of these is when a property needs to be purchased, but an existing property has not yet been sold.
Another is when work needs to be done to a property before a more standard mortgage can be applied for.
There are lenders that specialise purely in providing funds for bridging.
In recent years fierce competition has meant a drop in rates but compared to standard mortgage finance, the costs are still high.
We will assess if traditional bridging finance is the best route for you, or if other forms of lending may be appropriate.
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