As professional intermediaries, we also have access to a number lenders who don't deal the general public. As we also belong to a number of 'mortgage clubs', our collective buying power is often able to find special deals which, again, are not available to the private individual.

These are some of the main types of mortgage we can arrange for you:

Residential:

If you are a first-time-buyer, the mortgage world can be quite a daunting prospect. At the outset, we will explain what to expect throughout the whole process -including those parts of the process we don't actually deal with ourselves- and will adopt a 'hold-your-hand' approach if this is what you need. We also have links with other professionals who are involved in your house purchase (such as solicitors), so we can put you in touch with them too, if required.

For the 'next-time-buyer', we look at what your needs are today -your initial objectives could have changed, and so could the market. We will happily go through the same detail as with our first-time-buyers, if needed, and won't assume that you know all about mortgages just because you have (or have had) one already. In any case, we will always go through the paperwork with you very thoroughly, to ensure that you understand everything.

For most people this is their biggest financial commitment, so it is essential we help you to get it right first time.

Re-mortgage:

We offer a re-mortgage service to those people who are coming out of a set deal, or are reviewing their existing mortgage for another reason. We will consider your current position and tell you whether it would be worth your moving to another lender, or whether it would actually be prudent to stay where you are.

Right-to-buy:

For those people who are looking to purchase their local authority house under a right-to-buy scheme, we understand the process and can look at a mortgage specifically geared to you.

Buy-to-let:

We are actively engaged in the buy-to-let market, with many clients who have both single and multi properties.

Quite often, we have situations where two people get together as a couple, but are already homeowners in their own right. Very often one party will move in with another, and this presents an opportunity to put the vacated property on to a buy-to-let footing. A lender will have offered you a residential mortgage on the basis that you will occupy the property; if this ceases to be the case, you are obliged to let the lender know. Not all lenders offer a buy-to-let facility, but we should be able to find you a suitable alternative, so that you don't have to give up your house. This also allows you options should things not work out as you'd hoped.

On other occasions we deal with clients who are actively building up a growing portfolio of properties for investment and income purposes. This might be for a relatively short-term return, or conversely it could be as part of their longer-term retirement strategy.

One of the big advantages of the buy-to-let market is that what's known as the 'serviceability' element of the loan (i.e. how the lender satisfies themselves that you will be able to make the repayments) goes on the projected rental income which might be obtained, rather than on your own income. How this works is, when the valuer is sent to the property, he not only values the property itself, but also indicates a reasonable rent value, based on the accommodation and location. Some lenders will also take into account your own surplus income if you needed to boost the rental income figure. Some also require you to have a minimum income level as well.

Our Charges

We will discuss charges with you at our initial (free) meeting. However, we normally charge a fixed fee £250 (£100 when engaging our services, and the remainder on completion). In addition to this, the lender will pay us a procuration fee for referring your business to them. This fee varies between lenders, and does not affect your mortgage costs.

As we are Independent Mortgage Advisers, we must offer you the alterative of choosing a fee-only route. In this instance you can elect to pay us a fee of 0.5% of the loan amount, and we will rebate to you any procuration fee which may be paid to us by the lender.

Lifetime Mortgages / Equity Release:

Unlike many businesses, ours is also licensed to recommend on Lifetime (Equity Release) Mortgages. Please click on the separate tab to view this section.

If you think you might benefit from speaking with us, please get in touch.