Whether you are a first time buyer, home mover or property investor we have facilities available with most lenders.
Mortgages are available up to 90% 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, I am afraid self certification mortgages are no longer available, they will ask for proof of income.
For Self Employed and Company Directors (holding more than 25% of shares in the company) 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.
At this time people with poor credit ratings, previous adverse credit problems and unusual circumstances will find it difficult to obtain mortgage facilities.
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.
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