Mortgage Services

Whether you are a first-time buyer or you're a home owner looking for a competitive rate at the end of a deal with an existing lender, you want to find the best mortgage to meet your needs.

No matter what type of mortgage you require we can provide specialist advice on the range of options available.

Purchase

Purchase

If you are thinking of purchasing a property, there are different deals available to you, therefore it is important to speak to an Independent Mortgage Adviser.

If you are looking to move house and already have a mortgage you will need to establish if it is better to remain with your existing lender or avail of a better deal with a new lender.

Remortgage

Remortgage

You may be coming to the end of your mortgage deal, seeking to raise money for home improvements, or wishing to consolidate some debts.

Whatever your reason for re-mortgaging, it is crucial to speak to an Independent Mortgage Adviser who can ensure you get the correct deal to suit your needs.

Further Advance

Further Advance

If you wish to borrow more money for the purposes of home improvements or consolidating existing loans and have sufficient equity in your property, a further advance may be suitable for you.

Self Build

Self Build

For those wishing to build their own house, a Self-Build mortgage can facilitate this. Money is released at different stages of the build process.

The amount you can borrow varies from lender to lender. Some will lend funds to enable site purchase, whilst others require you to have sufficient funds to take the build to wall plate level.

The specialist nature of this mortgage makes it imperative to seek independent advice.

Co-Ownership

Co-Ownership

Co-Ownership is a scheme which can enable first times buyers to get on the property ladder. Under the terms of the scheme, you buy part and rent part of your home.

You must buy at least 50% of the property and pay rent on the remaining share. To avail of the Co-ownership scheme, clients must be over 18 and purchasing their first home. or if you previously owned a home you can apply as long as you don't currently own any property or land.

The maximum purchase price for a Co-ownership property is currently £165,000.

Buy to Let

Buy to Let

A Buy to Let mortgage is to assist in the purchase or re-mortgage of an investment property.

It is also available on a property which is currently let and has no borrowing against it.

Debt Management And Restructuring

Debt Restructuring

  • Are your outgoings exceeding your income?
  • Do you have liabilities that are impossible to repay?
  • Is your home at risk?

We have access to the necessary expertise to assist in this area. Every case is different and action should be taken at the very earliest opportunity.

Key Facts

Key Facts about our mortgage advice service

We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to the lender.

We will provide you with advice and a recommendation and we do not charge a fee for mortgage advice.

Your property may be repossessed if you do not keep up your mortgage payments or any debt secured on it.