Mortgages

We ask the right questions and we listen. Finding the right mortgage for you is then down to our experience and knowledge of the industry.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First time buyer

We all must start somewhere, and we understand buying your first home can be one of life’s most daunting prospects, we have been there ourselves! Don’t worry, we are excited for you, whatever your situation we are here to help. We will not only advise on the best mortgage product to meet your needs, we will also guide you through the process and are on hand whenever you need us. Dealing with your estate agents, home builders, solicitors; no problem, it is all part of our fee free service.

Home mover

Moving home can be stressful, it really doesn’t need to be. Whether you are buying for the 2nd, 3rd or 4th time, get in touch as early as possible and we will make every effort to keep the process as simple as possible for you.  Choosing the right mortgage product for your next move can be a crucial one as more often than not you will be borrowing more. Our expert advice will ensure you are good to go when the time arises.

Remortgage

Existing deal or fixed rate is coming to an end? We have you covered with access to thousands of mortgage products to meet your requirements. We can compare your existing provider against the rest of the market to see what the most suitable way forward is. Should you require any additional borrowing for any purpose, such as a home improvement project, debt consolidation or second property purchase, we can do that too.

Self-employed

Life is complicated enough as a business owner without having to worry about a mortgage company’s income requirements. So, whether you are a sole trader, partnership, ltd company director, we have a wealth of experience working for self-employed clients and the knowledge of what banks and building societies requirements are.

Healthcare Mortgages

We love our NHS and those that work within it, thank you for everything that you do! Complex income arrangements are not uncommon, fortunately we have lots of experience in this field. No matter if you are a locum doctor, a newly qualified/established doctor, General practice partner or a bank worker within the NHS for example, we are here to help. There are many mortgage products specifically designed with you in mind.

Professional Mortgages

Whether you are an established Professional or newly qualified in Law or a teacher for example, we have the experience to place you with the right lender. It is not uncommon for more complex income arrangements in these fields and potential future earnings may be taken into consideration. In a similar situation to healthcare, there are mortgage products specifically designed with you in mind.

Buy to let

If you are looking to expand your portfolio of existing properties, or for the first time considering purchasing an investment property, we can help with all your requirements. We will take away the hassle of arranging your finance requirements and keep track of expiry dates etc so you don’t have to.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

And we can also help with…

Poor credit

No matter what life has thrown at you in the past and the previous difficulties you may have had, more often than not we will be able to provide competitive mortgage options. Ranging from low credit score, missed payments, small defaults and CCJ’s to previous bankruptcies and IVA’s, we have mortgage lenders available who can help.

Secured loan

From time to time a secured loan or homeowner loan may be a more appropriate solution for any additional borrowing requirements you may have. We have access to market leading rates in this area.