Tag Archives: Free Mortgage Advice

Can I get a mortgage…? Buy to Lets, HMO’s and Limited Companies

Free Mortgage Advice

If you are looking to purchase a property as an investment and rent it out, you may need a mortgage to help you do so. You won’t be able to use a standard residential mortgage for this and so you will need to look at buy to let mortgage products. There are plenty of buy […]

Can I get a mortgage…? Forces Help to Buy

Free Mortgage Advice

What is the Forces Help to Buy Scheme? The Armed Forces Help to Buy scheme is a £200 million scheme to help serving personnel get on the property ladder. The scheme has now been extended to 31st December 2019 and was designed to address the low rate of home ownership in the armed forces. The […]

Can I get a mortgage…? Large Mortgage Loans

Free Mortgage Advice

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 […]

Can I get a mortgage…? Help to Buy Wales

Free Mortgage Advice

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 […]

Can I get a mortgage…? London Help to Buy

Free Mortgage Advice

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 […]

Can I get a mortgage…? Help to Buy

Free Mortgage Advice

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 […]

Can I get a mortgage…? At 18

Free Mortgage Advice

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, […]

Can I get a mortgage…? Right to Buy Mortgages

Free Right to Buy Mortgage Advice

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 […]

Can I get a mortgage…? Shared Ownership

Shared Ownership Mortgages

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 […]

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

Free First Time Buyer Mortgage Advice

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 […]

Can I get a mortgage…? Listed Buildings

Free Mortgage Advice

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 […]

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

Free Mortgage Advice

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 […]

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

Free Mortgage Advice

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 […]

Can I get a mortgage…? Mortgage Deposits

Free Mortgage Advice

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 […]

Mortgage & Protection Q&A Webinar

Mortgage Advice London and Manchester

We are going to host a webinar where we will take your questions and answer them to the best of our ability. The webinar will be held on Thursday 2nd May at 18:30. We are happy to take any mortgage or protection related questions you have whether this is on a BISF home, a right […]

Helping with Buy to Let Mortgages

Free Mortgage Advice

Today we wish to discuss buy to let mortgages and the importance of getting the correct mortgage advice as a landlord. The reason for this is simple, not only will the mortgage impact on your bottom line but many landlords are using their properties not just for an immediate income but for their futures. Is […]

Non-Standard Construction Properties and Ex-Local Authority Properties

Free Mortgage Advice

We see time and time again people being turned down for mortgages on properties that some mortgage lenders deem unacceptable. Unfortunately, a lot of the time people then think the property is not mortgageable and search for something else, even if the property is in their dream location or they feel like it is perfect […]

Satisfied Customers

Free Mortgage Advice

It is always heart-warming and makes our day when customers unexpectedly say thank you for helping them with their mortgage needs. I just want to take this moment to say thank you to all our customers for the enjoyable and interesting conversations we get to have with you each day! We will also continue our […]

Mortgage Types

Free Mortgage Advice

This blog post is designed to give you an insight into the different types of mortgages that are available in the United Kingdom. Interest-only or capital repayment In general, mortgages can come as either interest only, capital repayment or a mix of both… but what do these terms mean? Interest only means you only pay […]

Right to Buy Mortgages

Free Mortgage Advice

If you need help and quality advice with a Right to Buy mortgage, CMS Ltd are here for you! Get in touch today or read on for more useful Right to Buy information. As you can tell, today I want to discuss Right to Buy mortgages. The first thing to say is that the Right […]