Mortgage Advice |Mortgage Quotes
Mortgages tailored to your needs
- 1st time buyer mortgage
- Homeowner mortgage
- Self employed mortgage
- Buy to let mortgage
- Fixed rate mortgage
- Tracker / variable rate mortgage
- Repayment / Interest only
- Bad credit mortgage
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek free mortgage advice which is individually tailored to your needs and requirements?
We are not tied to any lender, which means that we act entirely on your behalf and represent your best interests in order to establish the most appropriate mortgage quotes for you.
There are so many types of mortgages available that it is easy to become confused, possibly opting for the product offering the lowest headline rate of interest. But when booking and arrangement fees, conditional insurances, higher lending charge premiums, lock-ins and early repayment charges are taken into account the products may not be as attractive as they first appear.
We will be pleased to contact you to discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with as many mortgage quotes that you may require.
We have access to lenders who will lend up to 5 times joint salary, mortgage lenders will also take in to account additional income from bonuses or commission, working tax credits, child tax credits, Investment income, large town allowance, maintenance payments, car allowance and state benefits.
In the current climate mortgage lenders require a minimum deposit of 10% on purchase of a new property. If you would like more information on high loan to value mortgages please call us today. The larger the deposit you put down, the more lenders will offer and at better mortgage rates.
Please be aware of the associated costs in purchasing your new home. The main costs associated with buying your new home will be a valuation fee charged by the lender, legal fees, and stamp duty.
Stamp duty is payable to the treasury whenever you buy a house valued at over £125,000.
It works on a sliding scale like this:
If the value of the property is under £125,000 no stamp duty is payable. Between £125,001 and £250,000 you pay 1% of the purchase price not the mortgage amount. On properties between £250,001 and £500,000 pay 3 % and if you are purchasing above £500,001 stamp duty is payable at 4%.
For first time buyers their is now no stamp duty payable on property up to £250k until March 2012
Poor or Impaired Credit – the overall cost for comparison is 8.7% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Self Employed – the overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
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