First Time Buyer
Are you a first time buyer looking for mortgage advise? We understand how stressful and confusing it can be getting onto the property ladder. However, we also know just how exciting a time it can be in your life when buying your first home! That is why we want to help you by explaining the ins and outs of first time buyer mortgage advice in jargon-free terms.
We provide you with a dedicated mortgage advisor who can help with every single step of the journey you are undertaking. You do not need to worry about the daunting task of paperwork as we are on hand to help through the process when providing first time buyer mortgage advise! we are an experienced team with over a decades worth of knowledge in the financial advisory sector and have worked with many of the major mortgage lenders so have lots of familiarity when it comes to talking with the banks!
Buying a House
When it comes to remortgaging, we understand sometimes you may be uncertain as to whether it may be the right path for you to go down. Switching contracts and certain products is quite common with such things as phone contracts, utility charges, etc. But is not often thought about when looking at mortgages. By switching your mortgage you may be able to save yourself money, raise cash and even reduce your outgoing monthly payments which will help in the long term. If you choose not to switch your mortgage product then you might be paying more monthly then you should be, especially if you are on your lenders standard variable rate when you could be experiencing lower fixed term rates from other providers who offer better deals for you. That is why coming to us will mean you get reliable mortgage advice and a remortgage deal which will be tailored to your individual needs, inc rates reserved for mortgage brokers only.
Buy to Let
As a Buy to let landlord, trying to find the best mortgage deal can be challenging. Whether you are buying your first buy to Let property, looking to redevelop your current property or even refinance to capital raise and/or expand your portfolio - we can help!
We have strong relationships with specialist buy to let mortgage lenders including those who don't have a high street presence.
Personal or Limited Company Buy to Let? We can help you with both! with the new tax changes, it is often more tax-efficient for landlords to operate under a limited company. However its important that you seek advice from your Accountant as to your individual situation. (Alfred Dunn Accountancy Practice is an option)
Things to consider are; stamp duty payable, capital gains ta, early redemption charges, mortgage options for limited companies, interest rates etc.
Don't worry, you will be in safe hands.