✓  Remortgaging

Need to swap your existing mortgage for a new one? Looking for a more favourable deal to suit your needs or changing circumstances? Remortgaging is the perfect solution for you, whether you wish to stay with your existing lender or find a new one entirely. This is a popular option for homeowners with a fixed rate mortgage whose introductory offer is about to expire – by remortgaging, you can avoid being placed on your lender’s standard variable rate which is often less competitive. It can also give you more flexibility with how you pay your mortgage which can be helpful if your financial circumstances change.

✓  First-Time Buyers

Buying your first home but not sure where to start with your mortgage journey? We’re here to help! As a first-time buyer, you get access to all the same mortgages as everyone else, but to make things even better, you also get the added bonus of being eligible for Government assistance such as Stamp Duty relief and the famous Help to Buy schemes. Buying your first home might be a daunting process, but we’re here to help!

✓  Moving Home

The last thing you need when coordinating a house move is having to sit down and calculate your mortgage – that’s where we come in! Whether you’re transferring your existing mortgage to your new house or remortgaging for a bigger and better deal we can help take the stress out of your move with our expert assistance.

✓  Buy-to-Let Mortgages

Becoming a landlord for the first time? If you’re buying a property with the intention of letting it, you’ll need a buy to let mortgage. These work very similarly to traditional mortgages, but there are a few differences you’ll need to be aware of. Our expert team can help you with everything you need to know, as well as securing the best mortgage for your investment.

✓  Commercial Mortgages

If you’re buying a property for commercial use (such as an office, shop or restaurant), you’ll need a commercial mortgage. There are a number of key differences between commercial mortgages and traditional mortgages, and our experienced financial advisors are on hand to guide you through the process of finding the most suitable commercial mortgage deal for your business.

✓  Self-Employed Mortgages

You may think it’s difficult to secure a mortgage if you’re self-employed, but luckily, we’re here to help! Whether you’re a sole trader or a small business owner, you can still apply for a mortgage if you can provide lenders with more thorough financial information. As long as you are able to verify your income and have good credit, you can access the same mortgages as everyone else.

✓  Contractor Mortgages

Did you know, there are mortgage lenders out there who specialise in lending to contract workers? As long as you can provide the right information to lenders, being a contractor shouldn’t limit your options when it comes to finding a mortgage. Our expert team are on hand to guide you through the process and explain what information you will need to provide, the factors you’ll need to consider, and to help you find a mortgage that suits you.

✓  Adverse Credit Mortgages

Bad credit? Contrary to popular opinion, that doesn’t mean you won’t be able to secure a mortgage at all! Whether you have CCJs, defaults, or have even been declared bankrupt, there are mortgages out there specifically tailored for people with poor credit. As whole-of-market brokers, we have access to a wider range of mortgages and you may be surprised at the rates you can get…

✓  Mortgage Protection

While mortgage protection isn’t a legal requirement, we advise considering it purely for the peace of mind it gives. Mortgage protection is an insurance policy that covers your mortgage payments in the event that something unfortunate happens and you’re unable to keep up with them. Speak to one of our experienced financial advisors to find a plan that suits you and your circumstances.