A remortgage is simply moving from one deal to another without selling your property. During this process, the mortgage on your existing property is paid off in full by your new mortgage with the option of taking out additional borrowing. Often, a remortgage occurs towards the end of your current fixed deal in order to save money on your monthly mortgage repayments. For those that want to raise additional funds against their property during the remortgaging process, the funds are typically used for:

• Home improvements
• Raising deposit for an additional property
• Debt consolidation such as paying off credit cards or loans

Moving home

So, you may have found a new property to move into but need a new mortgage. Or it may be that you want to rent your existing property and buy another property to move into. Whatever your circumstances, we can help you secure a new mortgage for your new home. The process can seem daunting just thinking about it alone, we can help you throughout the entire process from start straight through to completion.

First time buyer

As possibly one of the largest purchases most people will make in their lifetime, it is important that it is done correctly the first time around. Our role as advisers is not just to secure you the mortgage, we make it a must that you understand the house buying process and support you from the beginning to the end. We cover all the technical aspects of the process for you doing all the leg work, speaking to lenders, finding your solicitors, and most importantly getting you a really good mortgage deal.

Buy to let

Do you want to build a large portfolio of BTL properties? Or do you already have a portfolio and want to expand on it? We can help you. The amount you can borrow for a buy to let mortgage is largely dependent on the monthly rental income the property can generate. We have sophisticated in house calculators that we use to do all the calculations telling you how much you can expect to borrow. Depending on your personal income and a credit check, some lenders may be more generous than others in their lending. We will lay out all your options ensuring you get the most value for your purchase or remortgage.

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Some buy to let mortgages are not regulated by the Financial Conduct Authority

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