Mortgages

Residential

This type of mortgage is for those looking to buy a home to live in, or to refinance an existing one. If you're a first time buyer,  or a seasoned homeowner we can help you with:

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• Right to Buy/Right to Acquire

• Affordable Housing

• Shared Ownership

• Self Build

• Concessionary Purchase

• Capital raising

Buy to let

If you are planning on buying a property to let out, or already have one you plan on letting out, this is the type of mortgage you would take.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

We can help you with:

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• AirBnB/Holiday Lets

• ExPat

• Let-to-Buy

• Portfolios

Self-employed

Being self employed is hard. When your business is your baby, you work long hours, put in extra effort and when things go wrong, it can be difficult to let it wash over you.

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On top of all of that, it is more difficult to acquire a mortgage due to the way self employed income is assessed. They will look at different figures depending on whether you are a limited company, a sole trader or have only been self employed for a year.

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It is a minefield, so having an adviser that knows their way around self employment and what the lenders will accept is crucial.

Poor credit

Missed payments, defaults, CCJs and bankruptcies etc, can make you feel trapped or tied down. Don't ever feel like obtaining a mortgage is impossible. We have helped a lot of people obtain the dream of home ownership when they didn't think it was possible. Don't put it off! Give us a call.

Although it depends on your individual circumstances, we can potentially help you get a mortgage if you have:

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• IVAs

• Bankruptcy

• Defaults

• CCJs

• Debt Management Plans