Let’s start with the basics: a mortgage is a loan used to buy or improve a property’s condition over a number years agreed at the outset, usually with monthly payments, and secured on your property. The list below is not exhaustive but can be seen to address most situations considered by borrowers, lenders or commentators.
The terms used often describe needs across multiple categories and are not exclusive to any particular borrower.
We provide mortgage advice for all the following incomes types:
- Employed
- Self-Employed
- Contractor
- Offshore Worker
- Returning to the UK
Mortgages are advertised as meeting the needs of a specific group of people, or situation. Ask us to help if you are interested in any of these situations:
- First Time Buyer
- Shared ownership
- Help To Buy
Or perhaps you are buying again:
- House purchase
- Capital Raising
- Debt Consolidation
Are you a property investor? Many of our clients are building their property portfolio for others to live in. Let us arrange your next loan in these areas:
- Buy To Let*
- Let to Buy*
- Portfolio
- Landlord Mortgages
- Development Finance*
- Auction Finance*
- Bridging Finance*
*Some mortgages and secured finance are not regulated by the Financial Conduct Authority
Are you approaching or have reached retirement? Not so very long ago retirement could force the sale of a home if not fully repaid before work ceased. Nowadays there are a number of solutions to extend finance past retirement age where necessary. Ask us to review your options in these areas:
- Equity Release**
- Lifetime Mortgages**
**A Lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate
Mortgages can be confusing if you are not dealing with them every day and we find many people are not familiar with the terminology used and simply do not appreciate their options and what is most suitable for them. Speak to an advisor – we’re always happy to help and there is no obligation.