We find your perfect fit, not just any mortgage.
See below for more information on what mortgages we can help you with.
A remortgage is simply switching your existing mortgage to a new deal either with your current lender or a different one, usually when your fixed or discounted rate is coming to an end. It's a chance to secure a better rate, release equity for home improvements or other plans, or consolidate debts, all without having to move house. Give us a call, explain your situation and we will give you the guidance you need!
We will guide you through the lenders criteria, rental calculations, and deposit requirements involved. From personal buy-to-lets to limited company structures, we'll make sure your mortgage is built around your long-term investment strategy.
If its your first investment property and are looking to rent it out, our experienced advisors can check on your eligibility to apply for a buy to let mortgage and find out how much you could borrow.
BTL Key Points
You will need a deposit of 25% generally to secure a buy to let mortgage
The amount you will be able to borrow is usually based on a combination of your income and the rental income of the property
When looking to get onto the property ladder, it can seem very overwelming, this is where we come in. We talk you through the whole process from start to finish, with full transparacy.
How do we help?
We discuss your options giving you real timelines to work towards
Look at your financial situation good or bad, and advise what steps you should take
Holding your hand.. figuratively. From start to finish guiding you along the way if you get stuck!
Getting a mortgage when you're self-employed works a little differently to being employed. Rather than payslips, lenders will typically ask for your accounts or tax returns, usually covering the last two to three years to assess your income and affordability.
Criteria can vary significantly between lenders, particularly around how they treat retained profits, dividends, or fluctuating income, which is why the right lender for a self-employed applicant isn't always the obvious one. We'll help you gather what's needed and match you with a lender that understands your circumstances, making the process as smooth as possible.