Residential Mortgages
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Which Residential Mortgage is Right for Me?
The best mortgage for you will depend on your individual circumstances. If you are a first time buyer, you will need to consider your deposit, your income, and your monthly outgoings. If you are remortgaging, you will need to consider your current interest rate, the length of your current term, and your credit score. If you are buying a property to rent out, you will need to consider your rental income and your expenses.
How can I get a Mortgage
To get a mortgage, speak to one of our experienced advisers. The lender will assess your application and decide whether to offer you a mortgage. They will consider your income, your deposit, your credit score, and the property you are buying.
The Mortgage Process
The mortgage process can be complex, but it is important to understand the different stages involved. The first stage is to apply for a mortgage. Once you have been approved for a mortgage, you will need to exchange contracts with the seller. This is when you will agree on the terms of the sale and the purchase price. Once contracts have been exchanged, you will need to complete on the sale. This is when you will pay the deposit and the rest of the purchase price.
Mortgage Costs
There are a number of costs associated with getting a mortgage. These costs include the application fee, the valuation fee, the arrangement fee, and the lender’s legal fees. You will also need to pay stamp duty if you are buying a property in England or Northern Ireland.
Our advisers will explain the process and potential costs to you.
Speak To An Expert
We have expertise covering a vast range of financial services. Whether you’re an individual, SME or Corporation, our team of advisers are on hand to help identify the right financial solution that works for you.
First Time Buyer Mortgage
A first time buyer mortgage is a loan that is specifically designed for people who are buying their first home. These mortgages typically have lower deposit requirements than other types of mortgages, and they may also offer other benefits, such as lower interest rates.
Remortgage
A remortgage is when you switch your mortgage to a new lender. This can be a good option if you want to change the terms of your mortgage, such as the length or the amount of your monthly payments.
Buy to Let Mortgage
A buy to let mortgage is a loan that is specifically designed for people who are buying a property to rent out. These mortgages typically have higher interest rates than other types of mortgages, but they can also offer other benefits, such as tax breaks.
New Build Mortgage
A new build mortgage is a loan that is specifically designed for people who are buying a new build property. These mortgages may also offer other benefits, such as cashback, stamp duty relief or initiatives from the house builders or lenders themselves.
