Mortgages
First Time Buyer
As a First Time Buyer your home buying journey can be a daunting but exciting experience. Making the first steps on the property ladder takes research and dedication, from gaining knowledge about different mortgage products to saving for a deposit. Taking advantage of First-Time Buyer schemes or initiatives can make all the difference – these initiatives can help you get mortgages with lower deposits, so it is worth exploring options like this before making any decisions. To make it as stress-free and enjoyable as possible, we can advise and guide you through the journey using our knowledge and experience. It is also important to not forget all the extra costs associated with buying a house such as Stamp Duty and solicitors fees etc. As soon as you have decided on your budget, have saved up a good deposit and found out realistically what you can afford, then it’s time to start looking for properties that fall within your buying power.
Home Mover
Moving home can be expensive and stressful but it doesn’t have to be. Firstly, family size is a major factor – if you have a growing family then upsizing might be the best option, or if your children have moved out and you only need one bedroom then downsizing could be a better choice. School catchment areas and transport links play an important role. If relocating further away remember to factor in moving costs plus time off work and days when everybody in the family can move simultaneously; this could save you time and money in the long run. Either way, it’s important to seek property finance advice when making the decision to upsize, downsize, relocate or just looking to move into your dream home. We’re here to support you throughout your journey. We will help you understand exactly what you can afford and secure the most suitable loan to make that dream move come to reality.
Remortgage
Remortgaging your property can open up a variety of financing options, allowing you to switch deals, refinance or borrow more money. This could be ideal if you are looking to make some home improvements, consolidate debt or simply find a better deal as your existing one is expiring soon. We will search the market to make sure you get the most competitive rates and find the best deal for you. Borrowing more can also help fund major life changes such as buying a new car, sending children to school or covering medical costs. In short, remortgaging offers ideal solutions whether you want to reduce interest rates or find extra money for other things. However, remortgaging could also incur additional costs – so it’s important to consider this when calculating the total amount you will pay back in the long term. We can assist you with your remortgage by assessing your situation, calculating the costs and tailoring a solution so you feel confident in your decision.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy To Let
Investing in property is a great way to achieve long-term financial success. You are likely to get an attractive return from rental income, as well as capital appreciation when the property is sold at a later date. It’s important for potential property investors to be aware of what being a landlord entails before committing, including understanding common tenant legislation, and developing strong landlord management skills. Many people find property investment attractive because it carries less risk than stocks or shares and offers more control over the investment. Whether you are looking to enter the property market as a First-Time landlord or you are an experienced landlord adding to your portfolio, we can help you find the best solution for your new or existing investment.
Most forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority.
*We do not provide tax advice. Please seek an independent tax specialist if required.