First time buyer

Planning to purchase a new home, unsure of how much you can borrow, or what your house buying budget is?

Borrowing is no longer a simple multiple of income but individually assessed using your details, commitments and credit score

We can work this out for you and obtain a decision in principle, this means we can qualify you with estate agents to speed up the process.

Advice on Gifted deposits, Family mortgages, Joint borrower/sole proprietor to name a few specialist areas.

New build

Often lenders will limit the size of the mortgage on a new build property, in relation to the value (often referred to as “loan to value” or LTV.

This combined with a short time to exchange means it is important to get the right lender first time.

Shared ownership

You purchase a percentage, or share of the property with a Housing Association owning the rest.

You pay rent to the Housing Association in addition to the running cost of the property.

A great way to get on the housing ladder and with the option to buy more via Staircasing when you are able.

Home Mover

Moving home, We can work out your budget and have the mortgage agreed in principle to speed up house buying.

We can qualify you ahead of placing offers on properties.

All you then need do is find your perfect home.

Remortgage & Product Transfers

Is you current mortgage deal or fixed rate about to expire?

Unsure of your options?

Allow our expert Advisers to review the best deals from your current lender and from the whole of the intermediary mortgage market.

We can also discuss any further borrowing requirements and the best way to do this, including second charges.

Home Improvements

Why move home, when you can extend, renovate and improve the home you love.

We will consider extending your current mortgage or a second charge loan to allow you to build your dreams.

Second charge & secured loans

If you already have a mortgage and need to borrow more money, perhaps for home improvements, a new car or debt consolidation; it isn’t always possible or best advice to remortgage as you may have early redemption penalties or you simply cant borrow what you need via a first charge mortgage.

Second Charge lenders, work differently when assessing affordability and look at lending in a different way.

We are unable to provide you with advice in this area however we can introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice in this area.

Retirement interest only (RIO) mortgages

This is a mixture of a interest only mortgage, as you make money payment based on affordability but with no end date. The right to stay in your home until death, moving to long term care or choose to sell.

Adverse / Poor Credit Mortgages

Have you had credit issues in the past?

Missed payments, defaults, CCJs or bankruptcies?

With access and experience of helping credit impaired clients, speak to us today to find out when you will able to apply to for a mortgage.

It could be sooner than you think.

Debt Consolidation

Refinance your Credit cards, car finance or unsecured & secured loans to reduce your monthly outgoings.

It is important to seek advice and consider if this is the best thing for you.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered.

It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home.

There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service

http://www.moneyadviceservice.org.uk/en/articles/where-to-go-to-get-free-debt-advice these services may be more suitable for you.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.  YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.