Special Schemes
Click on schemes below to learn more.
First time buyer
Getting your first mortgage need not be a hassle.
All we will need from you is an idea of what sort of property you want to buy, how much you earn and how much you can afford to pay each month for your mortgage.
Once we've got these details, we will use our computerised broker system to determine which of the many mortgage deals available, is the right one for you. We'll give you a choice of mortgages and lenders and one of our independent mortgage advisors, assigned to your case, can advise you which one you should take advantage of.
We'll then get your mortgage approved in principal and also tell you how much you can borrow, all you have to do then is find the right property. Meanwhile we continue to track the mortgage markets and if a better deal comes along while you're looking for you property you can switch lenders right up to the last minute, so you won't get caught out.
Above all we're here to help you so if you're not sure what to do, or simply want some mortgage advice, contact us
Buy to let
Many people consider investing in property as a long-term opportunity to make potentially profitable returns, or as a way of securing finance for their retirement.
There are a number of competitive buy to let mortgage deals around that are specifically aimed at the buy-to-let market, ranging from special offer buy to let mortgage deals to fixed and variable rate options.
The amount you could borrow is based on the anticipated rental income, not your earned income. The rental income needs to exceed the monthly mortgage payment by a certain amount, generally at least 120% of the mortgage monthly payment (the figure may vary from 100% to 150%).The Maximum loan to value is usually around 75% - 80% LTV.
If you’re thinking about buy to let mortgages, whether it’s your first investment or you’re a seasoned private landlord, let one of our experts help you.