RESIDENTIAL MORTGAGES
Your mortgage can be between 5 and 40 years (most go up to 35).
The number of years you take to pay back your loan is called your mortgage term.
BUY-TO-LET MORTGAGES
Buy to let mortgages are a way for existing investors and new landlords to take their first steps into the rental property market
Our team of experts can help you to get best options available in the property market.
BRIDGING FINANCE
Bridging or bridge finance ‘bridge’ the gap when you need to pay for something but you’re waiting for funds to become available.
They’re often used by people who are taking out a mortgage to buy a property but are waiting for the sale of another property to go through and you might consider a bridging loan to cover the period between purchasing your new home and selling your old home
COMMERCIAL MORTGAGES
For any business, investing in property represents a major step.
Whether it’s your first company premises, an additional site, or even just an expansion of your current location, it’s almost certain that you will require a mortgage to support your purchase.
SECOND CHARGE LOANS
Second charge loans can be secured against residential or Buy to Let properties.
They are provided by specialist lenders and are generally short-term loans secured against the property, but where the lender has second call on the property if the borrower defaults.
ISLAMIC MORTGAGES
Sharia-compliant mortgages are really ‘mortgage alternatives’ and function as no-interest home purchase plans
Though there are several variations across the market, all work in the same basic way: the bank buys the property on your behalf and becomes the legal owner.
LEGAL CONVEYANCE
We can help you to get a quote on the sale or purchase of your property and we can refer you to a conveyancer.
Conveyancing refers to the legal process of transferring a property from one owner to another.
BUSINESS LOANS
If you want a business loan without offering security, an unsecured business loan might be just what you’re looking for
An unsecured business loan is a loan that doesn’t require security. It can be a great funding option for businesses that don’t own many assets and businesses that would prefer not to offer security, or any company that’s growing fast and needs finance quickly.
PROTECTION
Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income.
If you suffered a serious illness or injury, you may lose your income . This could lead to you losing your home.
HOME AND CONTENTS INSURANCE
Your home is more than just bricks and mortar. It’s the result of years of hard work
Where memories are created, and a home for valued and treasured possessions. Making sure you have the right insurance for your home could provide real peace of mind.
Buying your first home can appear an exciting but daunting prospect. Making any one wrong decision of the many you need to make could cost you thousands of pounds. We are here to help guide you through the process with expert mortgage advice.
Thinking of investing in a buy-to-let property or looking to re-mortgage an existing buy-to-let investment? We will check the rental coverage meets the lender’s criteria taking account of your income tax band. Once we have confirmed that you meet the eligibility criteria, we will source an appropriate mortgage for your needs, submit the mortgage application and chase your buy-to-let mortgage through to completion.