If you have a enquiry with any of the following, we are still here to help:
- Adverse credit
Your credit report plays a key part when it comes to getting a mortgage – if you have had credit problems in the past such as missed payments, defaults, CCJ’s, IVA’s or Bankruptcy, then we advise speaking to a mortgage advisor before applying for a mortgage. There are specialist mortgage providers who can help with obtaining a mortgage in these circumstances.
- Restrictive Covenants such as Section 106
Affordability housing is becoming more popular as we see changes in house prices, a property with a covenant or section 106 restriction is available through selected mortgage providers.
- Short term lending options such as Bridging Finance
If you have a tight deadline to meet where you require short term lending, this is something we can help you explore.
- Properties with acreage or agricultural ties
Properties with land are starting to become quite popular but did you know there are restrictions on the amount of acreage with many mortgage providers? – this is where our extensive knowledge of the market can help.
- Retirement interest only options
These have been designed to help with mortgage borrow in later life. As part of the process it is essential you consider taking independent legal advice when considering this option.
- ‘Joint borrower, Sole proprietor’ options
Provides the option of allowing a family member to assist with the mortgage affordability to enable you buy your home.
- Own New
We are certified to offer a scheme designed to make mortgages more affordable, funded through a subsidy provided by participating developers.
Offering two products:
• Rate Reducer – A standard mortgage with interest rates reduced by up to 4% during the initial period, available for clients purchasing a new build property.
• Deposit Drop – Purchase a new build property with just a 5% deposit.
