Mortgages

The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost. There are actually some advantages to being a first-time buyer. Interest rates are currently very low, and first-time buyers are more appealing to sellers because they are not in a chain.

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help.

Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.

Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants. Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two.

As a home mover we can advise whether it makes financial sense to remain with your current lender or move away to another, as well as explaining all the cost implications of moving house.  Buying and selling at the same time can be stressful and challenging at times, and we are happy to guide you through the process and hopefully on to a successful house move.

The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.