Types of Mortgage

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We can arrange mortgages for almost any purpose, there are a huge number to choose from new purchases and re-mortgages to special deals for first time buyers.

We can also arrange mortgages if your circumstances are unusual.

100% Mortgages

These are ideal for people who don’t have a deposit to put down but want to get a foot on the housing ladder.

Self Certification

(Also know as self certified) mortgages are ideal for applicants whose income is not easily verifiable. If you are self employed, a company director, contract worker or freelancer it is likely that your income is minimised for tax purposes, you may also be unable to provide three years trading accounts. As a consequence it can be difficult to secure the mortgage you want. In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, we can help through a type mortgage, which does not require evidence or proof of income. With a self certified mortgage you do not have to provide accounts, payslips or other proof of income, but instead you simply certify that you have sufficient income to service the repayments.

Capital Raising

This type of mortgage can help to raise additional money to pay for home improvements or buy your partner’s half of the property or even to buy another house.

Buy to Let

This mortgage is designed for borrowers who are purchasing a property as an investment and intend to let the property out.

Right to Buy

Many local authority tenants are offered the right to buy the public housing they occupy. The housing is often offered at a discount and usually the scheme will depend on the length of the existing tenancy.

Bad Credit History. CCJ's and defaults and Sub Prime Mortgages

If you have missed payments on debts or been late with payments or had financial problems then a sub prime mortgage may be suitable for you. Lenders charge a higher level of interest to compensate for the potential losses from customers.