Residential Mortgages

Secured finance solutions for residential mortgages for first time buyers, home movers or re-mortgagers

  • Residential mortgages from £20k to £10m
  • Up to 95% LTV for existing and first time buyers
  • Loan terms up to 40 years on capital repayment

Why use a broker to help find a residential mortgage?

  • UK Wide coverage
  • Fully authorised and regulated by the FCA to give you mortgage and protection advice
  • Direct access to thousands of mortgage rates from across the entire market
  • Established links with these lenders, giving us access to exclusive deals
  • We can explain the house buying process and all the costs involved
  • We take care of all your mortgage and protection arrangements

Frequently Asked Questions

 

How much can I borrow?

Residential mortgages come in many shapes and sizes. Our Brokers look at your individual financial circumstances, along with your available deposit to work out your maximum borrowing amount using affordability calculations from hundreds of lenders.

 

How does a residential mortgage work?

A mortgage is a loan that you use to buy a property. When you buy a home, you’ll put down a deposit. This is usually at least 5% of the property price and you pay for the rest using a mortgage from a bank or building society. You then pay the mortgage plus interest back in monthly instalments over a set number of years. This will decrease over time if you are on a capital repayment mortgage and keep up your monthly payments.

 

 

Can you get a residential mortgage if you have low or bad credit?

Yes, there are a number of lenders out there who can help you on to the property ladder even with low or poor credit. That is where the experience of our brokers really can help you get the right mortgage for you.

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