FIRST-TIME BUYER
Mortgage brokers can help first-time buyers obtain suitable terms, which might help reduce some costs associated with buying a house. First-time buyers need to consider costs such as stamp duty, valuation fees, solicitor fees, mortgage application fees and the amount of deposit required before applying for a mortgage.
YOU COULD LOSE YOUR HOME IF YOU DON’T KEEP UP YOUR MORTGAGE REPAYMENTS.
HOME MOVER
You need a bigger house because you are relocating or possibly you’re downsizing to a smaller property. You want to avoid paying additional fees to your existing lender for redeeming your current mortgage ensuring you get the most competitive mortgage solution tailored to your circumstances.
YOU COULD LOSE YOUR HOME IF YOU DON’T KEEP UP YOUR MORTGAGE REPAYMENTS.
BUY-TO-LET
You want to become a landlord and require a buy-to-let mortgage, or maybe you’re already a landlord looking to purchase another rental property or seeking a remortgage for rental property’s on more competitive terms.
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We can only give you information about a mortgage range. We can't help you decide if a buy to let is right for you as a longer-term investment.
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MORTGAGES ARE SECURED AGAINST YOUR PROPERTY. YOU COULD LOSE YOUR PROPERTY IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. NOT ALL BUY TO LET MORTGAGES ARE REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
REMORTGAGE
A remortgage is when you change your mortgage by switching to an alternative lender often on more competitive and suitable terms. This is typically done by many borrowers once their existing mortgage deal has ended normally after 2 years, 3 years or 5 years. A remortgage can be completed earlier if necessary. However you may have to pay an early repayment fee if completed during your tie in period.
A remortgage may eliminate an increase in mortgage payments at the end of the tie in period. Instead of moving onto a higher standard variable interest rate you may have options to move onto a more competitive rate for 2, 3 or 5 years depending on your circumstances and preferences.
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THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. MORTGAGES ARE SECURED AGAINST YOUR HOME. YOU COULD LOSE YOUR HOME IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.
RIGHT-TO-BUY
You want to buy a property which you have been renting from a housing association and would like to use the discount you receive on the purchase price towards your mortgage deposit to reduce the cost of buying your home.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
CONTENTS INSURANCE
Contents Insurance protects belongings like furniture, carpets and appliances from unforeseen vents should they need to be replaced. Policies can cover items you take away from your home as well and expensive items like jewellery and antiques. If you turned your house upside down any items which fall out would typically be covered.
AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY.
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