Kimberworth Insurance Bureau Limited

House Purchase

Kimberworth Insurance Bureau Limited

Whether you are a first time buyer, home mover or property investor we have facilities available with most lenders.

Mortgages are available up to 125% loan to value and can be arranged on a fixed, tracker, discount, capped or variable basis.

For people who find it difficult to provide verification of their income, self-certification mortgages or re-mortgages can present an excellent solution. These types of mortgages require a signed declaration of your income and you must be confident that you can afford to meet the repayments as well as the lenders affordability criteria, however, they will not ask for proof.

Self-certification is particularly suitable for self-employed, company directors, those with second incomes, contractors or freelancers. However, they are available to Pay As You Earn for example commission and bonus paid salaries.

Mortgage companies will normally ask to see accounts over a minimum period of two/three years: a difficult proposition for many, especially those who have recently started trading and people can find themselves excluded from getting the mortgage they want. The solutions we provide are flexible so that those with fluctuating income can cope with repayments. Loans can usually be arranged up to 90% and in some circumstances 95% of the purchase price. People with good or bad credit histories can apply for self-certification mortgages.

The majority of High Street Banks don't provide these types of mortgages and they can only be provided by Specialist Brokers.

Generally speaking the more deposit you have the cheaper the rate and the less paperwork the lender requires. However we will always assess your circumstances and will not support any unrealistic mortgage proposal.

Please call 01709 560066, to discuss your Mortgage requirements; OR request a Call Back.