A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Most forms of buy to let mortgage are not regulated by the financial conduct authority.
Residential
A residential mortgage is simply a large loan meant to help you, the borrower, to purchase a home. Find out more information and get in touch with us today.
Buy-to-Let
A buy-to-let mortgage is a type of mortgage specifically sold to individuals or companies looking to buy property as a form of investment, as opposed to a place to live.
Bridging Finance
Bridging finance is the short-term financial solution you need to complete a residential property purchase or commercial investment.
Commercial Finance
Commercial property finance or commercial mortgages can also be referred to as a business mortgage. Find out more information and get in touch with us today.
Second Charge
A separate and additional mortgage to the homeowner’s main (or first) mortgage. Find out more information and get in touch with us today.
Expat Mortgages
For property finance needs in the UK while living abroad, whether for buy-to-let or remortgage, you'll need to rely on an ex-pat mortgage broker to secure the right deal.
What fees will you charge to get me a mortgage?
The fees for obtaining a mortgage can vary depending on the specific services provided by the mortgage broker or lender. Typically, mortgage-related fees may include application fees, appraisal fees, title search fees, and closing costs. It’s crucial to discuss these details directly with the mortgage professional assisting you, as their fee structure can differ. Some may charge upfront fees, while others might incorporate their fees into the overall loan cost. It’s essential to have a transparent conversation about all potential fees associated with securing a mortgage before proceeding.
Why do I need a mortgage broker?
A mortgage broker can save you time, offer access to a variety of lenders and loan options, help you navigate complex terms, and potentially secure better terms through negotiation, streamlining the mortgage process and increasing your chances of finding the most suitable and competitive deal for your home financing needs.
What is a Decision In Principle?
A Decision in Principle (DIP) is a preliminary assessment by a lender that indicates how much they may be willing to lend you based on a cursory review of your financial information. It provides a quick estimate of your borrowing capacity and can be helpful when house hunting to gauge your eligibility for a mortgage. Keep in mind that it’s not a guaranteed offer and a full application process is still required for final approval.
How long will an application take?
The duration of a mortgage application can vary but typically takes several weeks. Factors influencing the timeline include the lender’s processing speed, the complexity of your financial situation, and any potential issues that may arise during the underwriting process.
Feel free to reach out to our dedicated team today through the convenience of a phone call or email, or if you prefer, you can also take advantage of our user-friendly contact form located on our website’s dedicated contact page for a prompt and efficient response.
