First time buyers

Thinking of buying your first home? It might be an exciting time, but it can be a complicated venture. We aim to find the most suitable provider on the market and do the hard work so you can concentrate on finding your perfect property. We will endeavour to put you in the best buying position, so you can secure your first home quickly and hassle-free.

We know that wandering into your local building society or bank can be unnerving, but rather than speaking to one lender and coming away disheartened, we can prise open the portal to the complete mortgage market, unlocking thousands of mortgage products. Having helped many first time buyers secure their dream homes, we know just how important it is to ensure you’re equipped with straightforward advice to make the right decision for your future. Mortgages are complex, and as they say, “you don’t know what you don’t know”. You may well get a mortgage from your bank, but is it the right deal for you? If ever you need whole of market advice, the first time is the right time, and that’s where we can help.

Remortgage

You don’t need to stay with the same provider, or on the same type of deal, forever. When you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Remortgages can be used for various reasons; however, most people simply switch mortgages because it works out cheaper for them. Another example is when you may need to remortgage to consolidate debts or ease regular bills such as credit card repayments.

Newbuild

Buying a newbuild home can be an exciting time, but finding the right mortgage isn’t always easy. This is why getting a mortgage for a new build before you begin your home search is recommended. There are many incentives on offer for new build properties, including the government Help to Buy scheme, part exchange, and various shared equity schemes that can help you buy a bigger home than you might have thought possible. Builders usualy require confirmed sales to manage their schedule and cash flow, and the new build sector as a whole is now demanding an exchange on purchase within as little as 28 days from the offer being accepted. Applications for Help to Buy: Equity Loan have now closed.

Bad Credit Mortgages

There’s a common misconception that mortgage companies will never lend to those with a poor credit history. If you currently have bad credit, we understand how disheartening it can be when door after door is closed, and though securing a mortgage with poor or adverse credit is challenging; it’s certainly not impossible. We’ve developed strong relationships with lenders who specialise in bad credit applications and who understand that life today is just not that simple for some.

Buy to let

As the Buy To Let (BTL) mortgage market continues to evolve, the rules can be rather tricky to navigate, especially for those entering this buoyant property market for the very first time. Whether you are looking to complete your first buy-to-let purchase, or already maintain a sizeable portfolio of properties, we know every penny counts when it comes to making a profit.

Privacy Notice

Mortgages: Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Equity Release/Lifetime Mortgages: This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Debt Consolidation: Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages: Commercial Mortgages are not usually regulated by the Financial Conduct Authority.

Buy To Let: The Financial Conduct Authority does not regulate most Buy to Let Mortgages.