mortgages
We make finding the right mortgage product for you easy!
Expert Advice you can Trust
We know that each of our clients have very unique situations which can affect what mortgages are available based on circumstance. That is why we have the solutions to finding you the mortgage that suits your needs and your situation. That’s why we have access to mortgages for clients at every stage of their lives from lenders across the mortgage market, including deals not available on the high street, 5% deposit mortgages and people dealing with credit issues. There are so many mortgage products available and although finding the right one and getting started may seem like a daunting task, we can give you expert advice and do all the hard work for you.
There are many different types of mortgage out there, from trackers to offset, variable to fixed – despite the complexities, the truth is that there’s something out there for everyone, and with that in mind simply get in touch with your details and let us do the hard work for you.
Your home may be repossessed if you do not keep up your repayments on your mortgage.
Services we provide:
First Time Buyers
Buying your first property is an exciting prospect, yet it can be an overwhelming and arduous process trying to know where to start. Mortgage Solutions has advice you can trust and using our brokerage can help take much of the hassle out of your journey onto the property ladder.
Co-Ownership
When it comes to buying a house, everyone has different circumstances but now there are many options for those who want to buy their dream home but struggle to save the thousands for a deposit. A co-ownership mortgage relieves this financial stress and provides you with the opportunity to purchase your home.
Buy to Lets
We have the solutions to make your property investment a success.
You would use a buy-to-let mortgage if you were buying a property as an investment, a property to let out to a tenant/s, rather than a place to live.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority
Let to Buy
You can rent out your property and buy a new one to live elsewhere with a let-to-buy mortgage. By switching your current mortgage you can let your current home out to tenants and the rent pays the let-to-buy mortgage so your income can pay the new residential mortgage of your new home.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority
Right to Buy Mortgage
Right to Buy is a government-backed scheme to help housing association tenants get on the property ladder. If you have been a tenant for 5 years or more you may be eligible to buy the property that you are currently renting.
Moving Home
If you’re moving home, we have the solutions, so you can focus on the important things. If you have an existing mortgage and you are looking to move to a new property, you may be wondering if it is better for you to use your existing loan or to get a new one, Mortgage Solutions are here to answer your questions and provide you with information about all the options available to you.
Remortgages
Your circumstances may change over time, limited-time deals come to an end, you may be paying the standard rate of your provider or simply your provider no longer suits you. You should regularly review your mortgage and check whether it is the right mortgage for you.
Equity release
If you are aged 55 and over, equity release allows you to release tax-free cash from the value of your home. The amount you can release is based on your age and how much your home is worth. There are various equity-release products
Capital Raise
A capital-raising mortgage may be required for a number of reasons depending on your circumstances, and we have the solutions to help
Further Advance
If your home has increased in value since you bought it, you could borrow a further advance from your mortgage lender. There are reasons why this might be a good idea, but you should find out what it could mean for your repayments.
Bad Credit Mortgages
If you are looking to apply for a mortgage but have credit scoring issues, we may have the solutions for you. Our dedicated mortgage advisors have amassed a wealth of contacts and relationships with lenders who consider individuals and cases where credit may be an obstacle.
We have lenders who will consider
- Bankruptcy
- County court judgements for debt (CCJs)
- Debt management plans
- Defaulting or failing to fulfil a payment obligation
- Individual voluntary arrangements (IVAs)
- Low or no credit scoring
- Mortgage arrears
- Unsecured loan arrears
- Your application and use of payday loans
- Your complex income situation
- Your self-employed status