First Time Buyer
Mortgages
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To be considered a first-time buyer for UK mortgage purposes, none of the applicants can have owned a home anywhere in the world before, even if they didn’t buy it themselves. This means that if you’ve been bought a home, or left one in a will, you don’t qualify as a first-time buyer
Speak to an advisor Today about your needs and the current market. Clear mortgage recommendations and access to 80+ Lenders.
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Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage.
Burst pipes
Blocked drains
Blocked toilets
Pre-existing faults
Pipework that is not your responsibility
Reinstatement/trace & access costs
Claims reported outside of 48hrs
Materials/parts/labour already covered by a guarantee/warranty
Buying A Home
Moving to a new home is thrilling, but figuring out mortgages can be tricky. Even if you’ve done it before, knowing all your options is super important.
On average, we move around 10 times in our life. We’ll make your moving home mortgage journey stress free with help and support throughout the whole process.
Speak to an advisor Today about your needs and the current market. Clear mortgage recommendations and access to 80+ Lenders
Get a free quotation
Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage.
Burst pipes
Blocked drains
Blocked toilets
Pre-existing faults
Pipework that is not your responsibility
Reinstatement/trace & access costs
Claims reported outside of 48hrs
Materials/parts/labour already covered by a guarantee/warranty
Remortgage
Whether you’re looking to switch to a better deal, coming to the end of your existing mortgage term, or want to borrow money against your property, a remortgage could be the solution for you.
The majority of people remortgage when their existing deal is coming to an end, to avoid the SVR (standard variable rate). This is what you’re transferred onto when your current deal ends, and the rate is usually higher.
Choosing a whole-of-market mortgage broker like us with access to over 80+ lenders, can help you lock in the most appropriate deals for you while available.
Get a free quotation
Disclaimer: Think carefully before securing other debts against your home Your home may be repossessed if you do not keep up repayments
Burst pipes
Blocked drains
Blocked toilets
Pre-existing faults
Pipework that is not your responsibility
Reinstatement/trace & access costs
Claims reported outside of 48hrs
Materials/parts/labour already covered by a guarantee/warranty
Buy To Let
A buy to let mortgage is designed for people who are interested in buying a property that they want to rent out as an investment. If you are looking to make money by renting out your property instead of living in it, then a buy-to-let mortgage is the type of mortgage you will need.
There is high demand for rental properties. Renting is a popular lifestyle trend and a necessity for many people who can’t afford to buy, and the rental market is currently very strong. This means that renting out your property should be relatively easy.
Whole-of-market access to lenders to help find the most suitable deal for you
Get a free quotation
Disclaimer: The Financial Conduct Authority does not regulate most Buy-to-Let mortgages.
Burst pipes
Blocked drains
Blocked toilets
Pre-existing faults
Pipework that is not your responsibility
Reinstatement/trace & access costs
Claims reported outside of 48hrs
Materials/parts/labour already covered by a guarantee/warranty
Different Types Of Mortgages
When choosing a mortgage, it’s important to compare different options and find one that suits your needs and budget. Factors to consider include interest rates, length of the mortgage term, and any associated fees or charges.
Fixed-rate
When choosing a mortgage, it’s important to compare different options and find one that suits your needs and budget. Factors to consider include interest rates, length of the mortgage term, and any associated fees or charges.
Interest-only
This type of mortgage is specifically for purchasing a property to rent out.
Standard variable rate (SVR) mortgages: This is the default rate that borrowers move onto after their fixed or tracker rate period has ended.
Buy-to-let
With a fixed-rate mortgage, the interest rate stays the same for a set period of time, typically 2-10 years. You will move onto the SVR once the fixed term has ended
Offset Mortgages
An offset mortgage links a borrower’s mortgage account to their savings account, reducing the amount of interest paid on the mortgage.
Tracker Mortgages
A tracker mortgage is linked to the Bank of England’s base rate and moves up or down in line with it.
Your home may be repossessed if you do not keep up repayments on your mortgage.