What we offer
You tell us what your goals are and what you want to achieve, and we do our best to make it happen.
First time buyers
As first time buyers, there are understandably 100 questions at the start of the house buying process. Our aim is that when we finish our first chat about what your possible options are, you have no more burning questions and you have a clear plan to get your first home. What ever your goal, we will advise accordingly, whether it is stretching your income to borrow your maximum, or maximising your deposit.To find out how much you could borrow, click here.
As a home mover, you have so much more to consider. The great thing is, we cover it all. Can we clear some debt while we move? Can we have leave some cash spare to decorate/furnish the new home? Can we fix our rate for as long as we can in our new home? All of these points and many more, are covered with us.
If you have a property and a mortgage already, there are so many possibilities when it comes to re-mortgaging.
To list a few they include:
- New and lower rates
- Consolidating debt
- Home improvements
- Further property purchases
- Family gifting
- Shortening your mortgage term
- Lowering your monthly payments
This is just to list a few. Again, all of these, and more, are covered when you talk with us.You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy to let
Buy-to-Lets and investment properties are a great way to increase your long term wealth and monthly income. We’ve helped all types of Buy to Let clients from the portfolio landlords with 10+ properties, to the first time landlord looking at their first Buy to Let.There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
And so the questions mount up. Self-employed probably comes with the most, false rumours of them all. It’s ‘harder’ to get a mortgage when you’re self-employed. Or you need 3 good years of books to get a mortgage if you're self-employed. ALL WRONG! Yes, the criteria varies from a typical employed applicant, but with the right planning and right advice, it's so much easier than you might fear.
If your income comes from your own Ltd company it does not have to make things tricky. In fact, if looked at in the right way it can work out a lot better than you may think. We will ask for Tax Calculations and Tax Year Overviews, but also the company accounts as different lenders will take the figures from different places. Some will use your salary + dividends, while others will take your salary + profits. This is why its important to make sure we explore all combinations to get you the best outcome.
Insurance - such a horrible word. Often though as something you don’t need and will never use.
On the flip side, can you ever imagine something happening and you NOT having the insurance to cover your self financially? When it comes to your home, your income and essentially your FAMILY, its just not worth even thinking about not being protected. Our aim is always to get you the new home or the best rate for the re-mortgage, but as part of our duty of care, we make sure to advise you on which areas you should be covered in.For insurance business we offer products from a choice of insurers.
Interested? Request a call back today
Speak to someone on your level to help you get exactly what you need.