You need the right mortgage for the right circumstances so what are you buying?
If you want to buy a first home or indeed move upwards or sideways then you need a residential mortgage.
Second Homes/residential mortgage
If you work in London and buy a country retreat or live in the country and need a London base then we can assist with the arrangement of a second home mortgage. The lender will expect your income to cover all outstanding mortgages as well as usual credit card debts and monthly loans and you will then find that with a decent deposit the usual rates apply.
You may find yourself unable to raise further money on your main residence by going back to your existing lender. We can refer you to a panel of loan providers and raise you the money by way of a second charge.
Buy to Let Mortgages
If you wish to buy a residential property for investment purposes then you will need a buy to let mortgage.
Whether it be for a base for your business for instance a doctors surgery or a shop with flats above that you would like to let we can provide whole of market commercial mortgage options.