..:: SELECT YOUR PROPERTIES MORTGAGES ::..

Just click below to find out more about our range of mortgages and how we can help you get the best deal:

If you're thinking about buying your first home you're probably finding the whole process of choosing the right mortgage and actually buying your ideal home rather daunting? So what do you need to know to get onto the first rung of the property ladder?

The first step is to contact us and we will advise you on the mortgage options available to you.

In the meantime we've outlined below some background information on mortgages for first time buyers that we hope you'll find useful.

As a rough guide the usual multiples are 3.25 times the gross salary of single borrowers. A couple can get 3.25 times the first income plus one times the second income. However, you could get 2.5 times the combined income of both of you. These multiples do vary from lender to lender so it is worth talking to us, the experts, to find out what is available.

Once you add to this the amount that you can afford to pay as a deposit, you have the amount you can pay for your first property.

Some lenders offer very good deals for first time buyers, where for example there is more flexibility, and no deposit required.

It is also worth remembering the additional costs, on top of your deposit and mortgage that you will be expected to pay.

For example, you will have to pay stamp duty, which is 1% of the purchase price for properties between £125,001 and £250,000, then 3% up to £500,000 and 4% on properties over £500,000, for properties up to £125,000 you do not have to pay stamp duty.

Plus you will have to pay for the survey and the valuation on the property, plus solicitor's fees.

You may also have to pay an arrangement fee for the mortgage and a Higher Lending Charge - which is insurance for the lender for you defaulting on your payments when your property is worth less than the loan. Add all these costs to the cost of your property and you may need a mortgage of 105% or more, which is possible.

As we have access to thousands of mortgages, including many excellent deals with a huge range of lenders, we can offer you a wide range of first time buyer mortgages with some special features:

No savings or deposit, no problem!*
Borrow as much as 125% of the purchase price of the property which can be a mix of secured and unsecured borrowing
The ability to self certify up to 90% of the purchase price of the property
Products available which can ignore all credit commitments
Cashback mortgages available
Help with costs including no legal and arrangement fees*
Ability to accept family gifted deposits
Clients with adverse credit considered

*free legals dependant on individual circumstances
*for no deposit a higher lending charge may apply

Whatever your mortgage requirements, we're certain we can find the mortgage for you.

So if you have found your ideal home, but need help reaching that all important first rung of the property ladder, talk to us today!

Many of us are looking for a better mortgage deal, or would like to release some of the equity in our home but the process is often not as easy as it first appears.

The first step is to contact us and we can advise you on the best remortgaging options.

We will work with you to check the terms and conditions of your existing mortgage. These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. You can then decide if it is worth switching to a different rate or stay put until the penalties have expired.

There are broadly four types of deal on offer that we can talk you through in more detail and find out which option suits you best.

Fixed-rate schemes - ideal for people who want certainty and must be able to regulate how much they will be spending each month.
Discounted loans - offer a reduction off the standard variable rate for a set period. If rates fall, the rate you will pay will go down but if rates rise, so do your payments.
A capped-rate loan - sets a limit on the rate you will pay. If rates rise, your payments will not go above that level but if rates fall below the cap so will your repayments
Flexible mortgages - allow you to overpay and underpay when you choose, without penalty. This is ideal for people who have fluctuating incomes or who want to clear their mortgage early.

We will of course guide you through the whole remortgaging process, which will include:

A 'redemption statement' will be obtained from your existing lender telling them how much you owe.
An application form from your new lender will need to be completed, along with details about your income such as bank statements, payslips, P60 form, mortgage statements and proof of identity.
Your new lender values your home.
Subject to all the paperwork being satisfactory, the lender will issue a mortgage offer which will contain the amount of the mortgage and the terms that they will offer you.
Solicitors will need to be instructed at this point to arrange the legal documentation, leading through to completion of the loan.

Once you have received a completion statement from your solicitor or new lender, the process has finished and your new mortgage is in place, congratulations!

As we have access to thousands of mortgages including exclusive deals with a huge range of lenders, we can offer a wide range of remortgage offers with some special features:

Whatever your mortgage requirements, we're certain we can find the mortgage for you.

So if you want a better mortgage deal, or would like to release some of the equity in your home, talk to us today!

Buy-to-Let in recent years has become an increasingly popular mortgage option for those wishing to invest in residential rental property.

However, some potential investors are put off entering the buy-to-let market due to the popular perception that buy-to-let mortgages are expensive.

This popular misconception no longer holds true as lenders today are now offering increasingly competitive rates, which in many cases are generally not significantly higher than those on standard mortgages.

Landlords also have a choice between interest only and repayment mortgages. However, buy-to-let mortgages do differ in several important ways from standard mortgages.

A major difference is the criteria lenders apply when considering approving a loan. Buy-to-let mortgage lenders base their decisions on whether or not to approve a loan on the likely rental income from the property and not the applicants' income.

In order to secure finance, rental income generally needs to be at least 125% of the mortgage repayment.

As we have access to thousands of mortgages,the ability to negotiate exclusive deals with a huge range of lenders, we can offer a wide range of buy-to-let mortgages with some special features:

From as little as 15% deposit required
First time buyers buy-to-let products available
No minimum personal income required
Buy-to-let remortgage packages, including fees free
Generous rental calculations available as low as 100% of the monthly mortgage payment
Ltd company buy-to-lets
Clients with adverse credit can be accepted
Buy-to-lets for large portfolios and professional landlord schemes

Whatever your mortgage requirements, we're certain we can find the mortgage for you.

So if you are planning to invest in buy-to-let, move your mortgage to, or remortgaging an existing buy-to-let property, talk to us today!.

Are you struggling to get finance due to your poor credit history? Do you have CCJs, Defaults, Mortgage Arrears, Repossessions or have been bankrupt?

If you just want to deal with a truly reputable company that can get you a good deal on your mortgage, despite your past or present financial circumstances, then contact us today.

We will fully assess your financial circumstances and run through the mortgage options available to you.

As we have access to thousands of mortgages including many exclusive deals with a huge range of lenders, we can offer a wide range of poor credit history mortgages with some special features:

The ability to self-certify up to 90% of the purchase price of the property
The ability to buy-to-let up to 85% of the purchase price of the property
We can accept all levels and types of adverse credit including CCJs, Defaults, Mortgage Arrears, Repossessions and bankruptcy
Can also deal with Right to buy, Let to buy and Shared Ownership

Whatever your mortgage requirements, we're certain we can find the mortgage for you.

So if you are struggling to get finance and finding that your past or present financial circumstances are making finding a home loan difficult, talk to us today!

Are you having trouble finding a mortgage because you're self-employed or have an irregular income?

Then a self-certification mortgage may be the mortgage option for you. But do you qualify for this type of mortgage?

To find out more contact us and we'll advise you on the self-cert mortgage process and if this is the option for you.

But in the meantime we've outlined below some background information on self-cert mortgages that we hope you'll find useful.

In a nutshell a self-cert mortgage allows you the borrower to certify your own earnings without having to supply proof of income documentation, such as pay slips or fully audited accounts.

With around 15% of the UK population now being self employed, self-cert mortgages are becoming increasingly popular.

As the market becomes increasingly competitive, the deals available are just getting better and better.

Self-cert mortgages are ideally suited to those who are self-employed, or employed but have an irregular income, due for example to bonuses and commission. They are also ideal for those who have several jobs, are seasonal wage earners or those who regularly undertake contract work.

As we have access to thousands of mortgages and excellent deals with a huge range of lenders, we can offer a wide range of self-cert mortgages with some special features:

Whatever your employment situation, we're certain we can find the mortgage for you.

So if you're having trouble finding a mortgage because you're self-employed or have an irregular income, then talk to us today!

Or do you simply need finance for investment purposes to buy or develop residential and commercial property for the rental market?

Alternatively, are you planning to purchase a commercial property for investment purposes or need finance to develop and refurbish the property you are currently renting?

Then contact us today and we will advise you on the best options available for your business.

As we have access to thousands of excellent deals with a huge range of lenders, we can offer a wide range of commercial mortgages with some special features:

Mortgages available for individual investors, large Plcs, Partnerships, Ltd companies and large residential investment properties
A wide variety of properties considered including hotels, restaurants, shops, nursing homes and post offices amongst others
Borrow up to 85% of the purchase price.
No minimum or maximum loan size
Can allow capital raising on existing commercial property
Professional lending facilities which match individual borrowers needs

Whatever your mortgage requirements, we're certain we can find the commercial mortgage to best suit the needs of your business.

So if you want to purchase, expand or re-finance a property-based business or investment, then talk to us today!

The overall cost for comparison is 7.6% APR' to the page on our website that refers to mortgages.