There are a huge range of mortgages and property-related lending options available to property buyers and home owners nowadays. 

Below are just a few of the main types of mortgages that we can offer, but please do get in touch if you're looking for something a little 'off the beaten track'. 
We're here to help! 

First Time Buyer Mortgages 

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs. In addition, people buying their first home often have specific needs when it comes to finding a mortgage. 
 
We therefore have access to a wide range of First Time Buyer mortgages that have been developed specifically for this market sector. 

Buy to Let Mortgages 

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs. In addition, people buying their first home often have specific needs when it comes to finding a mortgage. 
 
We therefore have access to a wide range of First Time Buyer mortgages that have been developed specifically for this market sector. 

Remortgages 

Remortgaging means switching your mortgage to another deal, sometimes with another lender, without moving property. 

Later Life Lending / Equity Release 

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income. 

Offset Mortgages 

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it. 

Flexible Mortgages 

With options for overpayments and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned! 

Help to Buy and other government-backed schemes 

The government has put in place a number of schemes to support house purchasers, such as Help to Buy. 
 
If you are looking to buy a home of your own but are struggling to afford it, the UK Government-backed Help to Buy scheme may well be able to help. 
 
We have produced a detailed guide which will help you understand and deal with all the main considerations of Help to Buy. Simply give us a call or drop us a line and we'll be happy to send it to you and then talk you through next steps. 

Bridging Finance 

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. 

Second Charge Loans 

Second charge loans can be secured against residential or Buy to Let properties. 

Self Build Mortgages 

These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses. 
We also have trusted referral partners able to place second charge loans and equity release. 
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. 
Note: Some Buy to Let mortgages and Bridging Finance are not regulated by the Financial Conduct Authority. You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone. This is a referral service. 
 
 
 
 
 
 
 
 
 
 
 
 
 

If you would like to find out more about the mortgage and  insurance services we offer, please don't hesitate to get in touch.  We're here to help! 

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