Mortgages

Mortgages

Planning for the future to secure your lifestyle

First-Time Buyers

Buying a house is one of the most important purchases you will make, buying a house for the first time will be an even more daunting prospect.

Over the following few pages, we have a range of first time home buying tips and advice on finding the right mortgage. Getting Mortgage Advice Terms such as “loan to value ratio”, “income multiples” and “discounted mortgages” may all sound very confusing when someone explains things for the first time and it is important to get as much advice as possible. Our mortgage advisors can explain any of these terms to you, and offer a free, no obligation mortgage quotation service.

Please please fill in our quick enquiry form, or call us on 0870 013 2372 for a free, no obligation, consultation.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Re-Mortgages

Re-mortgaging has become very popular in recent years. Competition from Lenders has increased, leading to a wide range of competitive UK re-mortgage products.

You will notice that a number of the re-mortgage products offer a free legal service and even a free valuation on your property. This means you can now
transfer mortgage with little cost.

We offer all of our customers a FREE ‘Mortgage Management Service’. It all begins when your details are entered on our sophisticated database. We will contact you when appropriate to review your mortgage, any insurances you have and take account of any changes to your personal circumstances allowing you to re-negotiate other competitive products possibly saving you £££ at the same time.

By constantly taking advantage of this service you will possibly reduce the overall interest you pay out during the term of your mortgage and put more money back into your own pocket every month.”

The biggest advantage of remortgage is the lower rate interest mortgages.

It is always important to remember that each individual’s and circumstances are different, so your decision should be based on these factors as well as the benefits of each financial product.

This means you can now transfer mortgage with little cost.

Significant numbers of borrowers are now in negative equity, which is having an impact on the remortgage market.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Capital Raising

The act of remortgaging a property based on a higher value compared to the original purchase price. The capital raised is the amount left over after repayment of the original loan is deducted from the new loan. Some lenders will also take into account home improvement projects as part of the remortgage, if they are likely to significantly raise the value of the property.

Think carefully before securing other debts against you home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Click here to Enquire Now

Self-Employed

When taking out a mortgage the lender asks the applicant to show that they are capable of repaying the borrowing in the future, for example providing 3 years of accounts.

The interest rate payable on a self employed mortgage will normally be higher than on a variable rate mortgage.

For Self-Employed mortgages the overall cost for comparison is 7.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

It is a criminal offence to make a declaration when applying for a mortgage if you know, or have reason to believe, that the declaration may be untrue.

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Debt Consolidation

Replacing a number of existing loans with a single loan from a new lender. Whilst this may reduce your monthly payments, you will have your loan for a longer period of time and will have to repay more over the term.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on
your mortgage.

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Where the loan is granted for commercial purposes, and is usually secured against commercial property, though residential property may be used. With a commercial mortgage there is a higher rate of interest, as it is a higher degree of risk for the lender.

This product is not regulated by the Financial Services Authority.

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Oversea’s lending

If you’re looking to buy a property overseas we can help. Through our close links with overseas mortgage underwriters we’re able to help you access mortgages for property overseas, including all the popular destinations. Our specialist connections mean that you’ll be able to take advantage of some exclusive mortgage products and extremely competitive lending terms.

Overseas Lending is not regulated by the FSA or arranged via Sesame.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Changes in the exchange rate may increase the sterling equivalent of your debt.

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Enquiry Form To get a competitive quote please complete the basic information below. We will search all the major mortgage providers to give you the best deal. The information collected will be used solely for the purposes of providing background information when contacting you to arrange an appointment. Upon receipt of the enquiry form we shall contact you by telephone to discuss your options.

Select Single or Joint
Single Joint
Client 1
First Name
Surname
Sex Male Female
Date of Birth
Do you smoke? Yes No
Type of Mortgage
Telephone Number
Email address

 

Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments
on a mortgage or any other debt secured on it.

You can choose how we are paid for mortgages:
  • No fee. We will be paid by commission from the lender.
  • A fee of £800 and we will refund to you any commission we receive from the mortgage lender.
  • A fee of 1% of the loan.
  • A fee of £65 per hour.
  • A combination of fee and commission: £250 on application and I keep the commission paid by the lender.