Authorised and Regulated by the Financial Conduct Authority
► First Time Buyers
When buying your first house you will more than likely have little or no knowledge of the mortgage market and the house buying process. We are at hand to guide you from start to finish. We will talk to you in plain English and avoid jargon to help you understand what options are available. We can also recommend efficient, friendly solicitors that don't charge the earth.
► Home Owners
If you already own your own home you may well have built up a good credit record and the way house prices have risen over the years a little equity too. This will put you in a good position to move up the ladder. Whether you're looking for the lender with the best interest rate or a lender that will lend you the most money (or both!) we can help.
In days gone by many borrowers took out a mortgage with their bank and let it run for 25 years until it was paid. Nowadays mortgages tend to be a lot larger and it's normally prudent to shop around when your introductory offer ends to ensure you aren't paying too much. After all, your mortgage is likely to be your largest debt and even a slight reduction in interest rate can make a big difference to your monthly payment.
► Low Credit Score
Most of the high street banks use a computerised credit scoring system which is based on 'the perfect customer.' Each bank has different criteria so being rejected by one lender doesn't necessarily mean you will be rejected by all. We can offer advice on which lenders will be most likely to accept your application, many of which don't use the computerised credit scoring system. lnstead they will work from a fully completed application form and assess your case on its merits. An underwriter who is checking your application manually will have a much better picture of your circumstances than a computer which simply churns out a score.
► Debt Consolidation
We've all done it. Booked that holiday or spent a bit more than expected on the house. If you have personal loans or credit cards it could be worthwhile consolidating your debts into one easy to manage payment.
► Flexible / Offset
This type of mortgage is ideal for clients who like to keep their options open. They allow you to pay more, pay less, take a payment holiday or access additional funds at the same rate as your mortgage. And by choosing to combine your savings and mortgage you could save thousands of pounds in interest and pay your mortgage off sooner.
► Overseas Properties
We have access to more than 200 residential overseas / foreign mortgage products in over 30 countries worldwide. We can also provide advice on foreign solicitors that can speak English and advise on possible problems before they happen.
► Equity Release
Retirement is a time when you should be able to enjoy the rewards of your hard work and look forward to doing the things you like to do best. Over the years your home will have provided you with fond memories, comfort and security and now it is probably your greatest asset. This asset could provide you with your greatest opportunity, allowing you to unlock the money that is tied up in your home and ensure a more secure financial future.