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Mortgage Advice in Surrey

If you are a first time buyer in Surrey and are exploring your mortgage options, it would very helpful for you to contact an expert Mortgage Advisor in Surrey. They can provide a helping hand throughout the full mortgage process and are available to answer any question you may have keeping the technical jargon to a minimum..

One of our trusted Mortgage Advisors in Surrey can be there to provide indicative figures around your maximum borrowing capacity as well as monthly payments. Furthermore, they can help with getting a mortgage agreement in principle sorted for you usually within 24 hours of your first appointment. Following this process can get you prepared for making offers on a property with a mortgage agreement in principle in hand.

Moving home in Surrey has been cited as being one of the most stressful experiences, especially when a mortgage is involved. This doesn’t have to be the case with a dedicated Mortgage Broker in Surrey being there to help get through the workload.

Our team always work hard to make the process as quickly and smoothly as possible. Let us deal with the mortgage aspect while you focus on packing up and looking for your potential new home.

Towards the end of your mortgage term, it may be best to begin looking into the options available to you. With the help of our expert team in Surrey, you can get remortgage advice in Surrey, on the next steps of your mortgage journey that is suitable for your situation.

Many of our customers look to remortgage for a range of reasons. Some look to remortgage in order to release equity which can be used to fund home improvements or they might be looking at paying off their debts. It might be as simple as looking to find better rates. With a lot of experience under their belt, our mortgage team have dealt with a range of remortgage situation, therefore, please don’t hesitate to get in touch and we’ll see how we are able to help.

Our knowledgeable team of mortgage advisors have the experience and skills they need to deal with buy to let mortgages. We are well informed with any changed within buy to let lending criteria and have built long and trusting relationships with budding and current landlords.

We find that existing customers who are landlords return to us for our services to find a new addition for their property portfolio or to remortgage a property they have currently. As well as this, we also are able to help individuals who are looking to let out their current property in order to raise money for a new home purchase to live in. This is known as let to buy.

The government Help to Buy Scheme is a great way for First Time Buyer in Surrey who are looking to increase their deposit for new build home.

Through obtaining a loan of up to 40% and putting 5% on from your own savings, you are giving yourself the chance to access better rates for your mortgage. It will require you paying back this amount because this is a loan.

Self employed mortgage can be renowned to be more challenging in comparison to a standard mortgage. The good news is that our knowledgable mortgage advice team in Surrey have a lot of experience in dealing with self employed mortgage and have a deep understanding of the criteria and what lenders require.

You are classed as a self employed applicant if you own more than 20-25% of your business. The requirements to obtain a mortgage as a self employed applicant is that you need to have been working self employed for at least two years. This is because normally mortgage lenders will enquire about this information based around this time period.

If you are currently living in a rental property that is owned by either the council or local housing association, the best option for you may be utilising the Right to Buy Scheme. This obviously depends on your eligibility.

You may be granted a discounted purchase price, however, this depends on the amount of time you have been occupying the property and the value of the property. This despoit can mean that you might not need to put down a deposit, but it’s important to have some savings stored to cover any essential fees.