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LOW RATE MORTGAGES & SECURED LOANSBeing agents to independent secured home loan mortgage brokers, we've got the best mortgage deals and the best mortgage rates available. We have the best mortgage interest rates available and low rate mortgage deals and we can offer good mortgage deals even for adverse credit mortgages - bad credit, poor credit and no credit status applications are always welcome. Getting the right mortgage can be confusing, we give unbiased, straight-forward mortgage advice and if you're a first time buyer, an experienced home mover or looking to re-mortgage we'll remove the hassle so you can enjoy buying your new house. If you have a deposit and have been turned down for a mortgage, maybe you have been refused credit elsewhere, then turn to us ... whether you have CCJ's, no credit history, poor credit history, bad credit history, mortgage arrears or discharged bankruptcy - our Financial Advisor can help you get the right finance to buy your new home. Even if you don't have a deposit, mortgages and income stretcher mortgages are now available to applicants with an adverse credit history and self-employed applicants without accounts. We are agents to independent mortgage brokers, so we can provide you with the best advice from over 1000 mortgage schemes available. Our service is friendly and personal and in some cases, there are no fees - you are under no obligation in making an enquiry through our site. Written quotations are available on request and quotations are subject to status - life assurance may be required in some cases. HOW TO GET A MORTGAGE LOANBuying your new house, whether it is your first home or you have decided to move on up the housing ladder, can be a very costly event. So, you may find it beneficial to find out how big a mortgage loan you can get, even before you start to thumb through the pages of the housing section in your local paper or visit the offices of local estate agents. This is the stage, when it is a good idea to sit down with pen and paper or perhaps a calculator and work out some sums to see whether or not you can actually afford to borrow enough money to buy the new home you have dreamed about. HOW MUCH A UK LENDER MIGHT LEND TO YOURight, you are now in a position to work out how much you can borrow to buy your new home. Lenders are now more inclined to look at whether you can afford to make the repayments every month as opposed to some complicated matrix working out how much you and your partner earn each year and then multiplying that by either 3 or 4 to end up with a figure you can comfortably afford to borrow. In a nutshell, for example, if you earn £30,000 per annum you should be able to borrow from a Lender around the £120,000 mark - but remember, the Lender will also want to know your financial circumstances with regard to any personal loans you may be repaying and how much you owe on your credit cards, all of which could affect the amount of loan offered by the Lender. MORTGAGE DEPOSITOkay, so now you have found out how much you can borrow so you now can really start to scroll though those property pages. But what about a deposit on your proposed property? Nowadays, most Lenders are looking for larger deposits but there are Lenders who will offer 95% of the value of the property you are looking to buy, leaving you to find the remaining 5% as a deposit. In our example above, 5% deposit on a £120,000 property would mean you having a down-payment of £6,000. Remember, as a rule of thumb, the larger the deposit you can find usually means that the interest rate will be lower. After contacting us, you will have been put in touch with a Lender, presuming your mortgage offer has been accepted, you have your deposit and you are now in a position to proceed with the purchase ... but suddenly you find there are more expenses associated with buying your new house - make sure you are fully aware of all additional expenses which can be incurred. HOW TO GET THE BEST MORTGAGE DEALSApply online using our short mortgage enquiry form and we will arrange for Chris, our friendly Financial Advisor to give you a FREE no obligation quick call back at a time which is convenient to you. |
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