Who Can We Help?

We are happy to consider all kinds of mortgage enquiry. Below we detail just some of the situations where we are only too pleased to offer our advice.

First Time Buyers - Buying your home and choosing a mortgage is probably the most important financial commitment that most of us make. As a first time buyer it can be difficult enough to save up a 5% deposit along with legal fees and moving fees. We are able to source mortgages for the full purchase price of some properties, allowing you to purchase your new home with little monetary outlay.

Second Time Buyers - If you are moving home and you currently have a mortgage, the chances are that your current lender hasn't got the best deal for you. As Independent Mortgage brokers we can search the entire market to find the best package for you.

Remortgage - You may be happy with your existing lender, but many people, particularly those paying a mortgage at the lenders standard variable rate, could make big savings right now if they transferred their mortgage to a new lender. With over 2000 schemes available there is a lot to choose from and many lenders are actively seeking to attract your custom by offering discounts on your mortgage payments, and paying your legal and valuation fees. Can you afford not to find out how easy and cost effective it is to change your mortgage provider?

Self Employed - Nearly 4 million people are self employed in this country, but in the past, when it came to getting a mortgage most main stream lenders shied away unless you had 3 years accounts. However, in recent years we have seen a growing number of lenders who are prepared to consider self employed more favourably. In some cases, even with out accounts, we are able to secure 90% of the purchase price of the property. We find that to get some of the better deals most lenders require you to have been trading for at least 2 years. Although, we are happy to advise you what ever your circumstances are.

Buy To Let - A rapidly growing market has developed for people wishing to purchase properties for renting out to private tenants. This has the dual benefit of creating a monthly income from the rent, which should repay the mortgage and create some profit, but also allows the potential increase in the capital value of the property over a period of time. We would be happy to consider your requirements.

Adverse Credit - Just because you may have had a problem in the past with CCJ's, mortgage arrears, and poor payment profile, doesn't exclude you from having a mortgage. Lenders these days are now more flexible in the way they assess such cases. We may be able to help you irrespective of your circumstances.

For examples of some of the excellent products we can offer you, go to our Latest Offers section.