First time buyer

Where to start? Well, for most people, buying and financing a home is the biggest financial decision they will tend to make, so it’s important to feel as comfortable and confident as you can that you are making the right choices. That all starts with knowing all your options and having an expert explain those options in the easiest and most digestible way.

Booking a no obligation consultation is a great way to learn more about the home buying process and get the ball rolling by finding out what budget is best for you. It will even give you an opportunity to get right documents needed to put offers in on properties when you are ready.

Home mover

Moving home is an exciting time. It can be stressful too so being as prepared as possible will help you in making the transition as smooth as possible. You may be upsizing or downsizing, either way – there’s a lot to be done! Our mortgage experts are here to give you your options and point you in the right direction. When moving home, there are a few key considerations, take a look at the 4 main ones in the table below.

Remortgaging

Remortgaging is the process of finding and securing a new deal when your current one is approaching the end. It can be with your existing lender or through our trusted brokers, we may be able to find a better option with another lender.

Your circumstances are important when assessing the right choice to make when approaching a remortgage. For example, your employment may have recently changed, or you could be on maternity leave, these things are important as they can alter the options available.

Buy to let mortgages

Becoming a landlord may seem like it’s too far out of reach or you may feel it’s too complicated to even know where to start. Before you dive in, take a look at how we can help and some of the useful hints and tips we have put together. Whether you’re looking for the first investment to kickstart your buy to let journey or if you’re a seasoned buy to let investor, we’re here to help.

What is a buy-to-let mortgage?

This is a specific type of mortgage specifically used to buy property that you intend to rent out. These can be purchased in either your personal name, or under a limited company name. A tax professional can advise you on which structure is best for you.

Repayment:

This option will come with a higher overall cost as you are paying both interest and reducing the capital balance owed on the mortgage at the same time. These mortgages are designed so that at the end of the full mortgage term (e.g. 25 years) you will owe £0 and will own the home outright.

Interest-Only:

With this type of mortgage, your monthly payments are only made towards interest on the account. Therefore, the amount you owe does not reduce over time. Because of this, it is important to have a plan in place for the end of your mortgage. You will need to give the bank a feasible way to repay the debt at the end of the mortgage, this may be to simply sell the property.

*The Financial Conduct Authority does not regulate Buy-to-Let Mortgages.

Key considerations

Your current mortgage

Before we can make any moves, we need to understand the current state of your mortgage. You may be locked in and could face penalties to leave the deal, or you may have the option to take the mortgage rate with you.

Costs to move

Moving home can bring quite a few costs so it's important to go into the process with a good understanding. We can breakdown the fees so that you can be prepared.

Selling your home

Unless you are looking to keep your existing home, you will need to sell. We can help by putting you in touch with our trusted estate agency partners. Typically, estate agents would require your property to be sold prior to accepting your offer on a new property.

Buying a new home

You will be familiar with this process. After all, you’ve done it before! We will work with you to find the best lender and deal for your new home. We will also revisit your protection needs.

The home buying process