Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LET MORTGAGES.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.

First-Time Buyers

Buying your first home is an exciting journey, but it can also feel a bit overwhelming. That’s where we come in! The sensible first step is to engage with a mortgage broker to determine your affordability. This means we’ll help you understand how much you can borrow and what your monthly payments might look like.

Once we have a clear picture of your finances, the next logical step is to secure a Decision In Principle. This document shows estate agents and sellers that you’re serious and financially ready to buy, giving you a stronger position in the market.

There are many factors to consider, such as the size of your deposit and the different types of mortgage deals available. Each lender has its own criteria, and approaching the right one is crucial. That’s where our expertise comes in – we’ll ensure we approach the correct lender the first time, saving you time and stress.

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Homemovers

Moving to a new home is a big step, whether you’re upsizing, downsizing, or relocating. Just like with first-time buyers, it’s important to determine your affordability early on. We’ll help you understand your budget and what you can afford in your new home.

Securing a Decision In Principle is also a key step for homemovers. It reassures estate agents and sellers that you’re in a strong financial position to proceed with the purchase.

There are various factors to consider, such as the equity in your current home, the size of your deposit, and the type of mortgage deal that suits your needs. Different lenders will offer different outcomes, so it’s essential to approach the right one. With our help, you can be confident that we’ll find the most suitable lender for your situation as per the availability and criteria.

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Credit Scores

Your credit score plays a significant role in the mortgage process. It affects not only your ability to get a mortgage but also the interest rates and terms you may be offered. We can help you understand your credit score and provide tips on how to improve it if necessary. This way, you can secure the most suitable mortgage deal.
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Personalised Advice

Every individual’s situation is unique, and that’s why personalised advice is so important. Whether you have a complex income structure or are buying a non-standard property, knowing the specific criteria of different lenders is crucial. We take the time to understand your unique circumstances and tailor our advice to ensure you get the best possible outcome.
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Self-Employed Applicants

We specialise in helping self-employed applicants navigate the mortgage process. Different lenders assess self-employed income in various ways, which can significantly impact your maximum affordability. By approaching the right lenders who understand your income structure, we can help you secure the right mortgage deal tailored to your needs.
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Remortgaging

Remortgaging can be a smart move to save money or unlock equity in your home. Whether your current mortgage deal is coming to an end or you’re looking to take advantage of better rates, we can help you find the right options available. We’ll assess your current situation and guide you through the process, ensuring you get a deal that suits your needs. With our expertise, you can be confident that we’ll find the right lender and terms for your remortgage.
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Want to know more?

To find out more;
Call us on 0203 150 0882
Email us at matt@wheremoneymakessense.com