Mortgages
Whether you’re a first-time buyer or an experienced landlord, we have the expertise to support you. As well as offering advice on standard residential mortgages, we can also help with the mortgage types listed below.
The government’s Help to Buy scheme is perfect for first-time buyers, as it allows a cash deposit of as little as 5% of the property value.
Through lifetime mortgages and home revision plans, we help people aged 55 and over to unlock value within their properties. Equity release is a popular option for people looking to improve their lifestyle in later life and enjoy a comfortable retirement.
Remortgaging is an application for a new mortgage, which in the process pays off your current mortgage. This can help you to move to a better interest rate and improve your monthly cash flow.
It’s a common misconception that someone with bad credit or a poor credit score simply can’t get a mortgage. This line of thought is understandable, yet it isn’t necessarily the case. Below is a little information from our trusted mortgage advisers on how adverse credit mortgages make entering the property market more accessible.
Are you interested in diversifying your investment portfolio through property? Buy-to-let mortgages can help you to take on new properties to then let out to tenants, creating a lucrative new income stream.
If purchasing a property in its entirety isn’t the right approach for you, a shared ownership mortgage allows you to take out a share in a property that you can then live in with fellow shareholding residents.
Whether your business is ready to invest in property as an asset or you’re an investor that wants to add commercial premises to a portfolio, a commercial mortgage could be the answer.
Allowing you to borrow money that’s secured against your property, a second charge mortgage could be a viable alternative to taking out a high-interest loan or an additional credit card.
Tax changes in recent years have made it much less profitable to own multiple buy-to-let properties in your personal name. Many landlords are now choosing to purchase investment properties through limited companies to take advantage of the tax breaks this allows for. You must always seek the advice of a Tax Adviser when deciding if purchasing through a limited company is right for you.
