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A re-mortgage is the process of switching your existing mortgage from one lender to another.

This can be done to secure a better interest rate, release equity from your property, or change the terms of your existing mortgage. Essentially, it involves paying off your current mortgage with the funds from the new one. This can help you save money or better suit your financial needs.

A first-time buyer mortgage is designed for individuals purchasing their first home. These mortgages often require a smaller deposit, typically around 5% to 10% of the property’s value, allowing buyers to borrow up to 95% of the home’s cost. Although you can put down a larger deposit, which is encouraged. First-time buyers can benefit from special deals and government schemes aimed at making home ownership more accessible.

A buy-to-let mortgage is specifically designed for individuals who purchase property as an investment to rent out to tenants, rather than to live in themselves. These mortgages typically require a larger deposit, often around 25% of the property’s value. The amount you can borrow usually depends on the expected market rental income from the property.

A limited company buy-to-let mortgage is a type of mortgage designed for properties purchased through a limited company or a Special Purpose Vehicle (SPV) with the intent of renting them out. 

These mortgages typically require a larger deposit, around 20-25% of the property’s value. They are popular among property investors looking to expand their portfolios while potentially managing tax liabilities more efficiently.

A portfolio buy-to-let mortgage is designed for landlords who own multiple rental properties, typically four or more. Instead of managing separate mortgages for each property, some lenders allow you to consolidate them under one deal, simplifying the financial management. It often involves dealing with a single lender and making one monthly payment, which can streamline the process and potentially offer better terms. This approach can also provide flexibility in leveraging equity across your portfolio for future investments.

An expat mortgage is a type of mortgage designed for individuals living and working abroad who wish to purchase property in their home country. These mortgages cater to the unique financial situations of expatriates, considering factors like international income and foreign residency. 

Lenders often view expats as higher risk, so these mortgages may come with more stringent lending criteria and larger deposit requirements. Despite these challenges, expat mortgages enable individuals to invest in property back home whilst living overseas.

A self-employed mortgage is a type of home loan tailored for individuals who run their own businesses, locum workers, contractors freelancers. Unlike traditional mortgages, these loans require additional documentation to prove income stability, such as tax returns, business accounts, and tax calculations. Lenders often view self-employed applicants as higher risk due to irregular income patterns, so they may impose stricter criteria and larger deposit requirements. 

Despite these challenges, a experienced mortgage brokerage can look to have terms agreed whether you have been trading for a number of years or just a start-up with one year’s figures.

This is the process of selling your current home and buying a new one, often requiring coordination and precise timing. 

Using a mortgage broker can simplify the transition and potentially save you time and money.

A bridging loan is a short-term loan designed to help you “bridge the gap” between the purchase of a new property and the sale of an existing one. These loans are typically secured against your current property and are meant to be repaid within a short period, often within 12 months. 

Bridging loans can be useful for quickly accessing funds, but they come with higher interest rates and fees compared to traditional loans. They are commonly used in scenarios like buying a property at auction or when a property chain breaks down.

In certain circumstances, we may refer you to our business partners to arrange a bridge.

A professional client mortgage is a home loan product tailored for individuals in certain professional occupations, such as doctors, lawyers, barristers, accountants, and engineers. 

These mortgages often come with favourable terms, such as preferential interest rates and higher loan-to-income ratios. Lenders view professionals as lower-risk borrowers due to their stable income and career progression, making it easier for them to secure better mortgage deals. 

This type of mortgage helps professionals access financing that aligns with their financial stability and career prospects.

Life insurance - provides a lump sum payment to your beneficiaries upon your death, helping them cover expenses like mortgage payments and living costs.

Income protection insurance - offers a regular income if you are unable to work due to illness or injury, typically covering 50-70% of your salary.

Family income benefit - pays out a regular income to your family if you die, ensuring they have ongoing financial support.

Critical illness cover - provides a lump sum if you are diagnosed with a critical/serious illness, helping you manage medical costs and other financial burdens during recovery. These insurances offer financial security in different scenarios, ensuring you and your loved ones are protected.

Buildings and contents insurance - is a combined policy that protects both the structure of your home and the belongings inside it. Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged by events like fire, floods, or storms. Contents insurance protects your personal possessions against theft, loss, or damage.