Mortgage Advice

Whether you are starting out on your home buying journey or looking to buy that forever home to settle down in, a trusted mortgage adviser is always required.

If you need advice in any of the below areas get in touch. I offer an initial consultation at no cost to you and no obligation. 

As a first time buyer knowing where to start with obtaining a mortgage can be a minefield. Working with me as your mortgage adviser will mean you have someone to guide you through the process step by step. There is no such thing as a stupid question and I am happy to go over things as many times as needed to help you fully understand the process. 

There are many circumstances that lead to the requirement to remortgage. It could be as simple as your fixed rate coming to an end and you want to shop around. A remortgage can also be due to much more complex issues such as buying another party out of a property or releasing equity to fund something else. Whatever your situation, get in touch to discuss the options.

You may have to pay an early repayment charge to your existing lender if you remortgage.

When it is time to move house there are different options when it comes to your mortgage. Some providers may allow you to port your mortgage to a new property or it may be more beneficial to take out a brand new mortgage. It is always important to get professional advice as you don't want to be hit with any early repayment fees you could otherwise avoid.

Life happens. Not everything goes to plan and sometimes we find that we don't have a squeaky clean credit report. If you have any adverse credit it does not mean all hope is lost for obtaining a mortgage. I offer a non-judgemental approach and will endeavor to find something to meet your needs. 

It can be a little more tricky to go to your bank or building society to obtain a mortgage if you're self-employed. It is a common misconception that you need at least 2 or 3 years trading history to obtain a mortgage. There are some providers who will consider just 1 year. 

Each provider takes self-employed income into account in a different way. If you need to raise a certain amount for a purchase for example a whole of market adviser such as myself can look at which providers will consider your income in the best way for you.

Whether you are an experienced landlord or looking to make your first buy to let purchase get in touch for some advice. Buy to lets work in a very different way to residential mortgages so it is important to speak to someone who can offer help.

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority .