Looking to (re)finance your property or build an investment portfolio
A wide range of residential mortgages are available whether you are a first time buyer, home mover, someone who just needs to remortgage, help your children to get on the property ladder or if you want to invest in residential properties to have an alternative income stream.
A residential mortgage is a loan taken out to buy property or land that you intend to live in. A buy-2-let mortgage is a loan taken out to buy a property that you intent to let out. A HMO property is where a property is let out to multiple households, and s MUFB is a property that has self-contained flats that are let out. Most mortgages run for 25 years but the term can be shorter or longer. The loan is ‘secured’ against the value of your home until it’s paid off and can be based on Repayment (Capital & Interest) or Interest only. A HMO property is where
If you can’t keep up your repayments the lender can repossess (take back) your home and sell it so they get their money back.
1st Time Buyers
Enabling first-time buyers to get on the property ladder and get their choice of home.
Enabling you to secure a mortgage when you move home.
Enabling you to secure a better mortgage rate whilst staying in the same home.
Enabling the self-employed to secure a mortgage based on their accounts.
Ex-Pats & Internationals
Enabling the Ex-pats, and foreign nationals to invest in a UK property.
Equity Release & Later Life
Enabling over 55 to release equity in their homes to supplement their income.
Enabling indiviuals, Ltd companies to invest in UK residential properties.
Enabling individuals and UK companies to build a portfolio of buy-2-let residential properties.
Enabling indiviuals and Ltd companies to invest in HMO properties for higher yield.