Product Detail

As independent mortgage brokers we can select mortgages from all lenders in the UK market place giving you a choice of several thousand different products. Our mortgage sourcing systems enable us to filter and order the deals on offer to provide you with the best possible mortgage to fit your circumstances, and save you hours of shopping around. The mortgages we advise on fall into 3 main categories:

Text Box: Residential Mortgages. We arrange residential mortgages for first time buyers, next time purchasers, individuals with credit problems and homeowners who wish to re-mortgage to raise capital, reduce the interest they pay or consolidate their debts. Buy to Let Mortgages. Buy-to-Let mortgage are different to residential mortgages, in that the lender will assess the rental income of the property, as opposed to your own personal income, when deciding whether to lend you the money. In many cases the rental income will need to cover 125% of your mortgage payments on an interest only basis. The lender may also ask you to put down a minimum 15 % deposit when purchasing a property. Life Time or Equity Release Mortgages. Lifetime mortgages are a great way of releasing a cash lump sum from the equity locked up in your home. It can make a real difference to pensioners who have capital assets, but insufficient income to make ends meet. Lifetime mortgage involve taking out a loan secured against your home in order to release a lump sum for you to use to supplement future income. There are no monthly repayments, and the interest is rolled up over the lifetime of the loan, and repaid to the lender on death or on leaving the property for long-term care. We only sell schemes which offer a non negative equity guarantee. This means that even if the interest on your loan exceeds the purchase price of your property on death, your estate will not have to pay the shortfall. To understand the features and risks, ask for a personalised illustration. You should think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.