We will find the right solution for you

We understand this can be a stressful time and with so many options, it is sometimes hard to know where to start. Our small and friendly team are dedicated to guide you through this time with as little fuss as possible.

Speak to an adviser

Whether you are a first-time buyer, moving house, looking to re-mortgage, release equity, or coming to the end of your existing fixed rate and need a rate review, we can help

  • Buying property - to live in or to let out

    Re-mortgaging (changing lender, or raising more)

    Rate reviews (looking at options towards the end of a fixed rate)

  • Buying a first property – help and advice on the full process, including costs and expectations

  • Self employed, variable pay, multiple income sources, foreign currency income, change of job, relocation, change of business entity, contractors, CIS scheme, maternity leave, equity partners

  • How to structure when there is help from extended family

  • Help to navigate evidence needed and what can or cannot be accepted

  • Meeting lender’s criteria, ensuring final repayment is covered, affordability considerations

  • Retirement Interest Only - based on retirement income and longer terms than standard mortgages

  • Navigating the options, tailoring solutions to fit circumstances now and later, balancing benefit of having the loan against costs and flexibility

  • Pros and cons, criteria discussions, future planning – to cover rental possibilities

  • Specialist criteria to maximise flexibility – loan size, deposit, type of property, possibilities

  • Considering options across the market to ensure sensible solutions are found and managed long term

  • County court judgements, previous bankruptcy, IVAs

  • Variety of options depending on individual scenarios, with help on budgeting and savings

  • Building your own home - specialist assistance in obtaining finance, and how to structure the project

  • Raising funds in the best possible way to facilitate improving an existing property

  • Many lenders now allow 4 or more applicants, which can help with affordability and extended family living arrangements

  • Modern methods of construction, Cornish Units, Council housing Right to Buy, unique structures - all covered by bespoke lenders and long term plans considered

  • Help with buying property quickly - from an auction, to avoid losing a property, issues with chain breaks etc.

    Also useful to facilitate property renovations and affordability or age-constrained applications

  • Government scheme to help with deposits – no longer available for new purchases – assistance with refinance

  • Where you own a share in the property and a housing association owns the rest and you pay them ‘rent’ for their part. Purchases and refinance including buying more of the property

  • Contact us - our lists here are not exhaustive and we will most likely be able to find you a solution

CASE STUDY

Exploring all options to achieve dreams

When chatting to a friend, they talked about their dream of owning a property with some land for potential business ideas. They said their parents would love to help them achieve this but they didn’t know how. In their mind it was always going to just be a dream.

We told them this could be a possibility and looked into it for them. Nine months later, the clients moved into their dream property with acres of land!