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First Time Buyer
Buying a house is one of the most important purchases you will make. Buying property for the first time makes it an even more daunting prospect. 
Remortgaging
Your mortgage may have been the best deal for your circumstances at the time but is it still performing as well as it could?
Further Advance
Further Advances are requests for additional funds from your existing lender.
Buy To Let
A buy-to-let mortgage is designed for borrowers who want to let their property out to a third party, usually tenants.
Let to Buy
This is where a borrower wishes to move house but instead of selling their current property they decide to let it to a third party.
Credit Problem
Non-conforming, sub-prime, bad credit or adverse credit mortgages are becoming common in today's mortgage environment.
Overall cost for comparison is 9.2% APR. Actual rate will depend upon your circumstances. Please ask for a personalised illustration.Rate correct as at 27/03/2008.
Self Certified Mortgage
Self-certification (self cert) is a way of detailing your income without having to provide proof of income - you simply self declare what you earn.
Overall cost for comparison is 8.2% APR. Actual rate will depend upon your circumstances. Please ask for a personalised illustration.Rate correct as at 27/03/2008.
Right to Buy
After renting a council property for some time you may be able to purchase the property at below the open market value.
Overall cost for comparison is 7.2% APR. Actual rate will depend upon your circumstances. Please ask for a personalised illustration.Rate correct as at 278/03/2008.
100% Mortgages
A 100% mortgage loan covers the full value of a property, without the need to put down a deposit. Higher lending charges may apply.
Lifetime Mortgages/Equity Release Mortgages
This type of mortgages are aimed at older borrowers (minimum age is normally 55) who wish to release equity from their properties.This arrangement may involve a lifetime mortgage or a home reversion plan. To understand the features and risks ask for a personalised illustration.
An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits.
An equity release scheme is a complex legal arrangement and expert independent legal advice should always be obtained before entering into an agreement.
There will be no cost to you for the initial consultation. A fee may be charged on completion of your equity release. We will also be paid commission from the company that lends you the money.
Commercial Mortgage
Most lenders will only lend on residential or buy to let properties. Some lenders, however, are prepared to lend on commercial premises ie shops, factories etc. |
