I can help you secure a mortgage for buying your dream home, whether it be the first time you buy, or a few house moves down the line, there will be a mortgage deal to suit your needs. Mortgages can come with extra benefits, such as cash-back or free valuations, and depending on your needs & circumstances I will help you find the right mortgage for you. Your home may be repossessed if you do not keep up repayments on your mortgage.
If you are looking to invest your money into property then again I can search a wide range of Buy To Let deals. Whether you are a first time landlord or have a portfolio of properties, I am here for you. Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy To Lets are regulated by the Financial Conduct Authority.
Its always worth checking that you have the best deal on your mortgage. Staying with the same lender as its 'easy' isn't always going to be the best financial decision. I will compare your existing lender with new deals and then work out the most cost effective option for you. Remortgage deals can often come with extra benefits such as free valuations & free legal work to help you make the change. You may have to pay an early repayment charge to your existing lender if you remortgage.
Do I need a deposit to buy a house?
Yes, normally you need a minimum of 5% of the property price.
Can I get a mortgage if I have had credit problems in the past?
Yes it is possible, its a good idea to first get a copy of your credit report so we can fully see any past issues. Some lenders specialise in this area.
Are credit checks free of charge?
Yes, a credit check does not cost you anything, but each time you have a credit check done it leaves a 'footprint' on your credit record, so its best not to have too many done or it can reduce your credit score.
What kinds of income can be used for a mortgage application?
Basic salary plus extra's can be used, normally you can include overtime, commission, bonuses, and most types of benefit income (subject to lender criteria).
Is there a maximum age for a mortgage?
Yes, most lenders like you to have your mortgage fully repaid before you get to retirement age, although some lenders are willing to lend past this age, subject to certain criteria being met.
Are Help To Buy scheme's purely for First Time Buyers?
No, anyone can use the Help To Buy schemes, not just First Time Buyers. As long as you will not be a current homeowner when you get the keys to your new property this will be ok.