Our Mortgage Advice

We believe that our client focused approach, underpinned by our core values of trust, transparency and integrity is designed to build long-term relationships with our clients. This is what makes us stand out from the crowd and that is why our clients give us such great feedback, come back time after time and ask us to help their friends and family.

Transparent Fee Structure

Buy to Let Ltd Co

A specialist type of mortgage for landlords who want to buy a property through a company.

£595

  • Min deposit 20%
  • Min term 5 years
  • Max term 35 years

 

Fees only payable once your binding mortgage offer has been issued

Standard Mortgages

A single transparent fixed fee for arranging your mortgage subject to an initial consultation.

£395

  • Standard Residential Mortgage
  • First Time Buyers
  • Buy to let Mortgages

 

Fees only payable once your binding mortgage offer has been issued

Complex Mortgages

The best complex mortgage solution that suits your requirements prices start from £595

£595

  • Adverse credit
  • Complex Mortgages
  • Bad credit record

 

Fees only payable once your binding mortgage offer has been issued

Debt Consolidation mortgages allow you to repay debts by borrowing from your mortgage lender. Think carefully before securing debts upon your property

Fees are payable on issue of mortgage loan offer from the lender

"Your policy or policies will be tailored to you and your exact needs. Your policy will be bespoke to you and only you".

Rhys Forrest

STANDARD MORTGAGES

Fixed Rate Mortgage

A fixed rate mortgage lets you keep your mortgage at a set interest rate for an agreed time with your lender when you take out the loan.

Interest Only Mortgage

Interest only mortgages work in a different way to standard repayment mortgages. You only pay interest, so your monthly payments will cost less.

1 year self employment

Self employed people with only one tax return available.

Low deposits

5% deposits + deposit options available

Adverse Credit

People with missed payments, defaults, CCJ’s and debt management plans

5% deposit on new build

Purchase a new build property with as little as 5% deposit

RIO – Retirement interest only mortgage

Mortgages for people who are retired and would like some equity without sacrificing a large portion of available income or future equity levels

Limited Company BTL

Mortgages for those who wish to purchase buy to lets within a limited company. Advice from an accountant is always recommended beforehand.

SPECIALIST MORTGAGES

Joint Borrower, Sole Proprietor mortgages

Two applicants go on the mortgage application but only one goes on the title deeds with Land Registry

Offset Mortgages

If you have a lump sum in a savings and a mortgage over your residential home, could benefit from an offset mortgage.

Variable Rate Mortgages

With a variable rate mortgage, the interest rate can change at any point of the mortgage. This means your monthly payments could change.

Remortgage

A remortgage is when you swap your current mortgage for another one. You can remortgage with your current lender or choose a different one.

Tracker Mortgages

A tracker mortgage is a home loan where the interest rate you pay is based on an external rate  usually the Bank of England base rate plus a set percentage.

Construction Industry Scheme mortgages

Typically workers in the trades will invoice their employer (who pays their tax for them). We can use invoices over tax returns for better affordability

Ready to start your Mortgage application?

Everything you need to know about mortgages: how to get one, how much you can borrow and finding the best deals.

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Call Rhys to arrange a free 1 hour meeting or phone call with no obligations.

07816 071 143

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