Residential Mortgages

First Time Buyers 

 

First-time buyer mortgages are designed for those taking their first step onto the property ladder. Some lenders offer incentives - such as cashback deals - to make their products more appealing. You may also find options with high loan-to-value ratios, sometimes up to 95% or even 100%, helping you secure a home with a smaller deposit.

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Affordability matters. Our advisers use precise calculations to guide you, ensuring you’re fully prepared to make that all-important offer on your first home.

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Moving Home? 

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A home mover mortgage works just like a regular mortgage - but with one key difference: it’s designed for when you’re moving to a new home. The goal is to secure a mortgage that fits your new property and your changing needs. Choosing the right deal and making sure it stays affordable as life evolves is essential - and that’s where we can help.

 

Remortgages​

 

Remortgaging simply means moving your mortgage to a new deal - often with a different lender. Sometimes, the best option may be staying with your current lender. We’ll work hard to secure the most competitive deal they can offer – so you get the best of both worlds.

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People choose to remortgage for lots of reasons, but the most common is to save money. For example, if your current lender’s introductory rate has ended. Sticking with your lender’s variable rate could mean paying far more than necessary. Regular mortgage reviews can help you find better deals and keep more money in your pocket.

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Remortgaging can be a smart way to consolidate debts. By using the equity in your home, you may be able to clear existing debt and simplify your finances. Our advisers are here to guide you every step of the way.

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Important to know: Consolidating debt can reduce your monthly outgoings now, but you may end up paying more overall. And remember, your home may be repossessed if you do not keep up repayments on your mortgage.

 

Specialist Residential Mortgages

 

Specialist mortgages can be a lifeline if traditional lenders have turned down your home purchase or remortgage application. They provide an alternative path to homeownership, working on similar principles to conventional mortgages but with added flexibility to meet unique needs. Everyone’s financial journey is unique, and missed or late credit payments can happen. Our advisers work with a wide range of specialist lenders to find solutions tailored to your circumstances - helping you stay on track with your mortgage goals.​​

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Equity Release Mortgages​

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Equity Release mortgage - also known as a Lifetime mortgage – is a loan secured again your home. Allowing you to unlock money tied up in its value. Typically available to homeowners aged 55 and over, it’s a significant decision with many factors to consider. Speaking with our advisers gives you reassurance that you are taking the correct path. Equity Release can be complex and impacts both you and your family, so we take the time to carefully review your circumstances to ensure it meets your needs and objectives.

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Important to know: Your home may be repossessed if you don’t keep up your mortgage repayments.