Remortgaging and finding most suitable remortgage rate deals for Northern Irish homeowners is what we are able to offer all our clients, because we have the knowledge and experience essential to finding you the most suitable remortgage rates.
Remortgaging, where you repay your existing mortgage with another from a different lender, can offer all kinds of benefits, from a better rate, to the opportunity to release equity in your home or to reduce your mortgage term.
In any case, it's a good idea to review your mortgage each year or so in line with any changes to your lifestyle or income.
We know the market and work with lenders on a daily basis. By answering a few simple questions, we can highlight the most suitable deal available from a comprehensive range of mortgages from across the market.
People across Northern Ireland remortgage for many different reasons: to release equity in their home, for example, or to save money if they're coming to the end of their current mortgage deal
Are you able to remortgage with your current lender? Yes you can. We will see what deals your existing lender has to offer & compare with others available before providing you with our mortgage recommendation. (This is more commonly known as a Product Transfer)
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A home move is a great time to review and change your mortgage options.
We are here to give you great moving house mortgage advice, making the whole process easy and straightforward.
Whether you're upsizing or downsizing, affordability is key. We'll help you to work out what you can comfortably afford to help you meet lender's strict affordability criteria - the key to moving home mortgage offer success!
And then we'll guide you through the process, helping with paperwork and liaising with potential lenders on your behalf.
Every mortgage application will require you to produce evidence to prove your income and outgoings.
Deposits can vary from product to product and lender to lender. Expect to put down anywhere between 5% and 25%. Often, the amount of deposit required can affect which mortgage product you can choose. The golden rule is generally the bigger deposit you have, the more choice of mortgages you will have.
If you're moving home, you should plan for costs such as valuation fees, stamp duty, solicitor's fees, survey costs and broker fees.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There are many Buy to Let mortgages are out there waiting to be found.
But as your Buy to Let is an investment for your financial future, it's important that you get the most suitable Buy to Let mortgage deal for you.
Fundamentally, a Buy to Let mortgage is similar to a mortgage you'd take to buy your home. However, as it's an investment vehicle, lenders will generally ask for more in terms of a deposit (typically at least 25% of the purchase price), offer higher interest rates and charge higher fees.
With this all in mind, it's very important that you choose the mortgage that makes the best financial sense for you.
With buy to let mortgages, lenders link the amount you borrow to the amount of rental income you expect to receive. In most cases, this should be a quarter to one third more than the monthly mortgage repayment.
Here are some things to bear in mind if you’re considering taking on a Buy to Let mortgage:
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgages for first time buyers can be complex and confusing.
So we do everything we can to make getting a first time home buyer loan easy and straightforward.
But we also understand that all first time buyers are not the same. So we give tailored advice to suit your individual circumstances.
Affordability is key to ensuring you can really enjoy your new home without worrying about where each mortgage payment is coming from. Lenders will carry out strict affordability checks and 'stress test' your ability to make the repayments if interest rates were to rise or your circumstances change.
Depending on the lender, you will need to have anywhere between 5% and 25% deposit. This can vary from lender to lender and from mortgage product to mortgage product
There are so many variables in the mortgage and home buying process that each application and purchase can be very different.
For each client we ensure we provide the following service:
Buying your first home may also incur costs such as valuation fees, stamp duty, solicitor's fees, survey costs and broker fees - and that's before you get to the nice things like furnishing and decorating!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A self-build mortgage application works differently from a normal mortgage application. The main difference is how the money is released to the solicitor in stages to pay for the relevant stage of the build.
We will walk through each part of the process with you and ensure the process is as simple and straightforward for you as possible.
Where required, we will liaise with your architect and solicitor and also with the lender to ensure the application is processed in accordance with their requirements and allow you to concentrate on the important decisions that need to made as you build your own home.
As with the home mover mortgage affordability is key. We'll help you to work out what you can comfortably afford and how this ties in with the lender's affordability criteria.
Then we'll guide you through the process, helping with paperwork and liaising with the lenders on your behalf.
Every mortgage application will require you to produce evidence to prove your income and outgoings.
With a self-build mortgage the deposit generally needs to be 25% so you need to consider this when working out your build costs and final valuation figure.
You should plan for costs such as:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.