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Mortgage Advice in Canterbury

If you are a first time buyer in Canterbury and are pondering the necessary steps to take, you would most likely reap the rewards of speaking with an expert mortgage advisor in Canterbury. They will guide and support you, reducing your stress and limiting industry jargon.

Your advisor will be able to provide you with a rough estimate of the maximum amount you could possibly borrow, as well as help you obtain a mortgage agreement in principle, typically within 24 hours of your primary appointment. This is an incredibly beneficial tool for making offers on properties!

Some say that moving home in Canterbury can be a rather stressful experience, especially when you have a mortgage to factor in. Luckily for homeowners who wish to move house, having a trusted mortgage broker in Canterbury on hand can massively reduce your stress levels.

We will always aim to get your mortgage process sorted as quickly as we can, leaving you with one less thing to worry about as you pack up and find your new home!

As you begin to head towards the final stages of your initial fixed period, you would be wise to start considering your options for what to do next. Our team are qualified experts in providing customers with remortgage advice in Canterbury, looking at your situation and helping you make those next steps.

We often find that customers will remortgage for things like releasing equity to cover home improvements, to access better rates or to consolidate debts. We are very experienced in all remortgage scenarios, so get in touch and we will see how we are able to help.

Our open & honest team of mortgage advisors in Canterbury are well versed in handling with buy to let mortgages. We make sure that we keep up-to-date with the most recent buy to let lending criteria and frequently form relationships with both new and old landlords alike.

We find that lots of those landlords will come back to us for our services, whether they've got a new property that needs a mortgage or have an existing one that needs a remortgage. We're also able to help with those who wish to let out their current property, as a way of raising funds to buy a new home. This is called let to buy.

If you happen to be a first time buyer in Canterbury who is eyeing up a potential purchase of a new build property, you may benefit from utilising the government Help to Buy Scheme, designed to help boost your initial deposit!

By taking on a government loan in addition to your own 5% deposit, you can allow yourself to access much better mortgage rates! Please remember though that this is still a loan and does need to be paid back. To learn more about the various schemes, please see our guides or visit the government OwnYourHome website.

If you are a mortgage applicant who is self employed, it may appear like obtaining a mortgage is quite difficult compared to regular employed applicants. Our mortgage advice team in Canterbury have a lot of experience in helping customers with a self employed mortgage and are knowledgeable on self employed mortgage criteria.

Anyone who owns more than 20-25% of their company will be considered as a self employed applicant. In order for self employed applicants to obtain a mortgage you will need to be self employed for at least two years. Generally speaking, mortgage lenders will want to review your income based on that period of time.

If you are currently renting your home from a local authority, (either a local council or housing association), you may be eligible for using a Right to Buy Scheme, a government scheme aimed at helping first time buyers to purchase the home they are already living in.

Depending on how long you have been residing within the property as well as how much the property is worth, you will be given a discounted property purchase price. This typically means that applicants won't need to put down a deposit, though sometimes this may not be the case. It's always handy to have savings, just in case.