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FIRST TIME BUYER

Looking to buy your first home? Getting on the property ladder can be a daunting experience. A mortgage is often the biggest financial commitment of a person's life. We want to make buying a property as simple as possible.

Before you can buy a home, you need to save for a deposit of minimum 5 percent of the value of the property. When considering the amount of deposit, you should consider the other costs associated with buying a property, such as valuation costs, solicitor’s fees and potentially stamp duty. For example, if you want to buy a property for £300,000, you will need a deposit of £15,000.
Decision in Principle (DIP)
Decision in Principle is the first step to getting a mortgage. Before applying for a mortgage, and often before making an offer on a property, you’ll need a Decision in Principle (DIP). It will give an idea of how much you might be able to borrow.
We can manage the whole process of getting your mortgage from start to finish.To find out more, contact us about how we can fulfil your dream of owning your first home.

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

Arrange a free initial appointment

Buy to Let

Buy-to-let (BTL) mortgages are for landlords who buy property to rent it out. The amount you can borrow on a buy to let mortgage is mainly based on the monthly rental you are getting or are likely to get.

When measuring affordability for buy-to-let mortgages, lenders stress test applications against mortgage rates of 5.5% and a rental income of 145% which is referred as Interest Cover Ratio(ICR). For example, buying a £300,000 property using a 40% deposit, you’d be borrowing £180,000, then you need a minimum rental cover of £1196.25. If you are a first-time landlord looking to purchase a buy to let property or an experience landlord we can help you find the most suitable product to meet your needs. To find out more, contact us about how we can help you find the right product

Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate buy to let mortgages.

Arrange a free initial appointment

Remortgage

When you remortgage your property, you switch your current mortgage to a new lender or take a new deal with your existing lender. You may wish to remortgage to reduce your monthly repayments or even to raise additional capital. You can remortgage for the same amount that is outstanding on your current mortgage, or for a lower or higher amount.

Remortgages can be used for various reasons but most people switch mortgages as it is cost-effective for them. Remortgage can save you money particularly when your current deal comes to an end or when you are in a standard variable rate. If you are a looking to remortgage your property, we can help you to find a better deal. To find out more, contact us about how we can help you find the good deal.

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

Arrange a free initial appointment

Commercial

A commercial mortgage is a mortgage loan secured by commercial property, such as office building, shopping centre, shops with flats above, apartment complex or business premises.
Whether buying a commercial property for your business or purchasing for investment, it could be one of the largest transactions you will ever undertake.

If you’re looking to invest in commercial properties or you want to own your business premises, we can help you to find a mortgage.
To find out more, contact us about how we can help you find the best product.

Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate commercial mortgages

Arrange a free initial appointment