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Mortgage Advice in London

If you are a first time buyer in London and are looking at your mortgage options, you would definitely benefit from speaking to a trusted mortgage advisor in London. They will guide you through the entire process, keeping you well informed and free of industry jargon.

Your advisor will give you a rough estimate of the maximum amount you can borrow, as well as looking to obtain a mortgage agreement in principle for you, typically within 24 hours of your initial appointment. This is a very useful tool that will come in handy when you start making offers on a property.

It has been said that moving home in London can be a very stressful experience, especially when you factor in your mortgage. Luckily for homeowners looking to do so, having a dedicated mortgage broker in London like ourselves on hand will greatly reduce that stress.

We'll aim to get your process sorted as quickly and effectively as we can. All you need to do is get packed up and find your potential new home, we'll take on the rest of the process for you!

Once you start to head towards the end of your mortgage term, you may need to start thinking about your options. Our team are experts in providing remortgage advice in London, able to take a look at your situation and recommend the appropriate next step for you to take.

In some cases we find that customers like to remortgage as a means of releasing equity for home improvements, whilst others look to use it to pay off their debts and some do it to access better rates. Our team have a lot of experience in various remortgage situations, so please get in touch and we'll see how we are able to help.

Our expert team of mortgage advisors are well equipped for dealing with buy to let mortgages. We are always up-to-date with modern buy to let lending criteria and have a long history of forming relationships with budding and veteran landlords.

Many of those return to us for our services, be it for an addition to their property portfolio or to remortgage a property they already have. We also have the ability to help those who are looking to let out their current property, as a means of raising funds to purchase a new home to live in. This is called let to buy.

If you are a first time buyer in London looking to buy a new build home and would like a boost to your deposit, you may benefit from utilising the government Help to Buy Scheme.

By taking on a loan of up to 40% and adding 5% from your own savings, you are opening yourself up to better rates for your mortgage. It is important to remember though that this is in-fact a loan and will need to be paid back.

If you are a self employed applicant, it may seem like it is difficult to obtain a mortgage. Our mortgage advice team in London are well experienced in helping with self employed mortgage and have a lot of knowledge regarding the criteria and what lenders require.

Anyone who owns greater than 20-25% of their business will be classified as a self employed applicant. In order to get a mortgage you will need to have been self employed for at least two years. Generally speaking, mortgage lenders will need information from you based on that time period.

For customers who are currently living in a rental property owned by the local authority (either the council or a local housing association), you may be able to make use of the Right to Buy Scheme, providing you are eligible.

Depending on the length of time you have been living in the property, as well as the value of the property, you will be granted a discounted purchase price. Often because of this discount, you will not be required to put down a deposit, though it's important to have some money saved to cover the necessary fees.