Monthly Archives: May 2019

Free Mortgage Advice

Can I get a mortgage…? Large Mortgage Loans

If you require a large mortgage of any amount from £500,000 to £5,000,000 plus it can be sometimes difficult to find a lender that will help. The reasons for this can be complicated and might be based on the lender’s affordability criteria, how they will assess your income or the loan to value that they […]

Free Mortgage Advice

Can I get a mortgage…? Help to Buy Wales

Help to Buy Wales is a government scheme which can help home buyers in Wales get a new build property with a 5% deposit. Help to Buy Wales works by the government offering an equity loan to home buyers for 20% of the value of the property. The purchaser then puts a minimum 5% deposit […]

Free Mortgage Advice

Can I get a mortgage…? London Help to Buy

The Help to Buy scheme in London is a government scheme which can help home buyers get a new build property with a 5% deposit. For the Help to Buy Scheme outside of London please visit our Help to Buy page. The Help to Buy scheme works by the government offering an equity loan to […]

Free Mortgage Advice

Can I get a mortgage…? Help to Buy

The Help to Buy scheme is a government scheme which can help home buyers get a new build property with a 5% deposit. For the Help to Buy Scheme in London please see our separate London Help to Buy page. The Help to Buy scheme works by the government offering an equity loan to home […]

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Can I get a mortgage…? At 18

The simple answer to getting a mortgage at 18 is YES you may be able to, but the situation is likely to be more complicated. The reason it can be more complicated is mainly due to the following: The source of your deposit, as this is unlikely to be from your own savings. In general, […]

Free Right to Buy Mortgage Advice

Can I get a mortgage…? Right to Buy Mortgages

The Right to Buy scheme can be a useful tool to help people get onto the property ladder, however most people using the scheme will still need a mortgage to help them complete their purchase. So how does the scheme work and where do you start? The scheme varies between the differing parts of the […]

Shared Ownership Mortgages

Can I get a mortgage…? Shared Ownership

Buying a house through a shared ownership scheme is a mix between buying and renting. What we mean by this is that you purchase a percentage share of a property usually between 25% to 75% and you then rent the remainder at a reduced price. Shared Ownership schemes are typically aimed at first time buyers […]

Free First Time Buyer Mortgage Advice

Can I get a mortgage…? A guide for First Time Buyers

As a first-time buyer you may have hundreds of questions about buying a property. This guide is aimed to give you an insight into the steps to buying your first home. Every home-purchase situation is different, so this is designed to give you basic information to help you through the process and make everything go […]

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Can I get a mortgage…? Listed Buildings

Listed buildings are special interest properties and by special interest it could be due to their historic value, architectural form or social significance and they are registered and protected by the respective governing bodies of England, Wales, Scotland and Northern Ireland. Obtaining a mortgage on a listed building can be more complicated than obtaining a […]

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Can I get a mortgage…? Non-Standard / Non-Traditional Properties

Many people believe that non-standard construction properties cannot be mortgaged and often estate agents may market them as ‘cash only’ properties. Whilst it is true these properties are more difficult to mortgage and insure, many of them can still be depending on the circumstances. So, you may ask what the benefits of this are? Well […]

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Can I get a mortgage…? Bad Credit, Defaults and CCJs

It goes without saying that how your credit has been conducted is going to impact on what mortgage options you have available. However, one of the biggest misconceptions people have is that the credit score they see when they logon to a credit checking website is what the mortgage will be based on, this isn’t […]

Free Mortgage Advice

Can I get a mortgage…? Mortgage Deposits

Whenever you are considering buying a property a discussion will need to be had regarding how much deposit is available and where that deposit has come from. Below are some typical deposit sources we encounter regularly, so please read and get in touch if you have any questions or a different situation you wish to […]