Mortgage Types

First time buyer
You want to get on the property ladder, and own your own home.

Moving house
You need a bigger house, have to relocate or downsize to a smaller property.

Remortgage
You don’t want to waste money by paying more than you should for your current or future borrowing. Remortgaging can reduce those costs.

Free valuation fees and free legal fees maybe available on remortgage products, making the process easier and cheaper to complete. Free legal fees and valuation fees are not applicable on all mortgage products from all lenders.

Buying to let
You want to invest in property and become a landlord. Or you are already a landlord and want to purchase another property, using the equity in your existing buy to let property as the deposit.
Buy to Let mortgage advice is not regulated by the Financial Conduct Authority.

Letting to buy
Allows you to borrow money to buy and move into a new home while your existing residence is let out to tenants (Which generates an income).

Second home
You need a home for holidays, a split job location or for your child to live in while in further education.

Guarantor
As a parent or close family member, you want to help someone else buy their own home by taking on some of the risk of the mortgage by acting as guarantor. This usually requires offering your home or savings as security against the loan and agreeing to cover the mortgage payments if the homeowner misses a payment.

Buy property at auction
You want to buy a house at auction but you don’t have enough cash in the bank to purchase the property.

Commercial loans related to purchasing, letting or refinancing commercial properties.

Commercial loans are used to build property or refurbish properties. In both cases, we can help.

Bridging loans are either open bridging loans or closed bridging loans. Closed bridging loans are less risky for lenders so application fees and interest rates charged, tend to be less than fees and interest rates applied to open bridging loans.

Bridging loans might be used to:
• Buy property at auction
• Refurbish property and sell
• Refurbish property and let
• Complete the urgent purchase of one property which would otherwise fall through.
All details will be discussed with your advisor.

Commercial Mortgages are referred to a Master Broker within our mortgage network. Commercial Mortgages are not regulated by the Financial Conduct Authority.