The pathway to obtaining a mortgage can be easier for some than others.
The reason I exist is to provide specialist solutions for an array of buyers.
Some of the areas where I can help you...
First Time Buyers
Many first time buyers are unable to join the housing market and purchase their first home due to barriers on affordability and /or deposit. Having access to the whole of market enables me to have access to lenders who provide 100% mortgage schemes, personal loans to be used as deposit, increased affordability for profressionals and many more.
Home Movers
Can you port your mortgage? In most instances, Yes! I can look at your options to stay with your existing lender and retain current rate and borrow more. In addition, compare the whole of market to find the most competitive deals.
Buy to Let / Limited Company / Holiday Let
Limited company mortgages are becoming more popular and the need for rental properties is increasing. I have an array of lenders that deal with HMO properties, multiple directors and also Holiday Let mortgages which have really taken off in the last few years with an increase in domestic tourism in the UK.
Over 50?
No problem. I have access to lenders offering high street rates and products to people over 50. This can help if you are coming off of an interest only mortgage and are not yet ready to downsize. Wish to release money to family or want to purchase a second home by the coast.
Adverse / Impaired Credit
Lenders understand life happens and gone are the days of computer says no approach. Just pop me over your credit report and I can let you know where I can help.
Self-Employed / Agency / Supply / Zero hour
Lenders can allow lending on just 1 years of accounts as a sole trader (with history). Many profressionals go self-employed after being employed in their early career such as dentists and doctors this is definitely an example of where I can help. Supply teaching? I can help.
Your home may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. Equity Release Mortgages are arranged by introduction only.
