Mortgage Broker in Aylesbury Vale

As a first time buyer in Aylesbury Vale, navigating the process of purchasing a home may seem daunting. However, seeking the advice of a knowledgeable mortgage broker in Aylesbury Vale can greatly benefit you. They will offer guidance and support, simplifying complex industry terms and easing your concerns.

Your mortgage broker in Aylesbury Vale can also provide an initial estimate of your borrowing capacity and assist you in obtaining a mortgage agreement in principle, usually within 24 hours of your first meeting. This invaluable resource can aid you in making offers on potential properties as a first time buyer.

Many people find the process of moving home in Aylesbury Vale a daunting process, especially the mortgage side of the process. Fortunately, when using a mortgage broker in Aylesbury Vale like us, we can take all of this stress away. Our job is to handle the mortgage side of the process so that you can focus on the actual part of moving home!

If you are looking to port your current mortgage to your new property, we can explore this option with you to see whether it is possible and financially viable. In some cases, it may be more cost-effective to take out a mortgage on your new home. During your moving home mortgage review, we will look at both options with you.

When your current mortgage deal is coming to its end, it is time to start exploring your remortgage options. Remortgaging often saves you money in the short and long term.

If you do not remortgage when your fixed term comes to an end, you will fall onto your lender’s standard variable rate of interest (SVR). This new rate is likely to increase your monthly repayments, hence raising your overall outgoings. On the contrary, if you remortgage, you can avoid this rate and perhaps save some money!

Our team stays up to date with the latest market trends and lender offerings, so you can trust that we will find the best remortgage deal for your personal and financial situation. You can begin your remortgage process up to six months in advance, therefore, we advise getting in touch as early as possible to make sure that you are exploring all of your options.

There are many reasons why someone may choose to remortgage, not just to find a better rate, such as remortgaging for home improvements, releasing equity or consolidating debts. Our team is well-versed in all remortgaging scenarios and can assist you in achieving your goals.

Book your free remortgage review with a remortgage advisor in Aylesbury Vale today, by choosing a date and time online or giving us a call.

Our experienced mortgage advisors in Aylesbury Vale have over 20 years working with buy to let mortgages and landlords. We’re up-to-date on the latest buy to let lending standards to make sure that we can find you the most competitive deal available to you and your buy to let property.

Whether you are looking for a mortgage for a new buy to let property in Aylesbury Vale or need to remortgage an existing one, our team of experts are here to help. We can also help landlords looking to rent out their current property to obtain funds for purchasing a new home, also known as let to buy.

If you are considering buying a property, you could find it beneficial to make use of one of the government’s Help to Buy Schemes in Aylesbury Vale.

There are many different types of schemes available to both first time buyers and home movers in Aylesbury Vale. Each scheme is unique and can help buy a property in a different way.

For example, the Shared Ownership scheme allows you to purchase a share of the property—usually between 10% to 75%—and pay rent on the remaining portion. As your financial situation improves, you can gradually increase your ownership share through a process known as “staircasing”. It’s a practical way to make homeownership more accessible.

There are other schemes available, such as the First Homes Scheme, Mortgage Guarantee Scheme, Lifetime ISA and many more. For further information on the different schemes available, please refer to our guides or visit the OwnYourHome.gov.uk website.

As a mortgage broker in Aylesbury Vale, we understand that being self employed can present unique challenges when it comes to obtaining a mortgage. Our experienced team has helped many self employed individuals secure a mortgage and we are well-versed in the criteria that lenders look for in these cases.

If you are a self employed individual with at least a 20-25% stake in your company, you will be considered a self employed applicant. To be eligible for a mortgage, you must have been self employed for a minimum of two years. Lenders typically evaluate your income based on this time period.

If you are looking for a mortgage over the age of 50, there are many different options available to you, even if you think that there aren’t!

Our in-house team of later life mortgage advisors in Aylesbury Vale would love to explore your options with you and see what is possible. You can book a mortgage appointment with our later life mortgage advisors in Aylesbury Vale for free, simply book online or give us a call.