Mortgages can be confusing
High Street Lenders offer a range of mortgages including variable rate, fixed rate, discounted rate, tracker rate…….. Unfortunately it is not that easy to deduce which is the most attractive deal as there are so many offers to choose from. We take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available.
You may be looking to shorten your mortgage term, reduce your monthly payments or raise some money to do some home improvements. We can show you the best route forward and make achieving your goals a reality.
First Time Buyers
Are you buying your first home?
Buying your first house is very exciting, it is also one of the most expensive purchases you will ever make. We will be on hand to make sure that you get the best mortgage for your circumstances, support you all the way and help you understand the key touch points in the process.
There are some important costs to consider when buying property including Stamp Duty, Solicitors fees and Property Surveys. Whilst we are unable to advise on SDLT, if you need a recommendation for a solicitor, we can provide you with several options from our panel.
Are you looking to re-mortgage?
If your mortgage is on a fixed rate and due to expire or you are on the lenders Standard Variable rate then we can look at your current circumstances and work out the best option for you. Whether it be to stay with your existing lender and get a better deal or look to another lender for a better product.
You can be safe in the knowledge that we will provide you a product that is suitable for whatever you want to do.
Buy To Let Mortgages
Are you buying a property for an investment?
When buying a second property to let, you will need to decide whether your primary objective is income or capital growth.
Our experience and expertise will find the best solution for you; taking into consideration your needs and requirements. We will treat your mortgage application with a proactive approach whilst delivering a personal and efficient service. You should be mindful that there are a number of tax issues with regards to owning properties “to let” in order to maximise your tax position. For further information you can visit the ARLA website at www.arla.co.uk
We offer a comprehensive mortgage sourcing service arranging buy to let mortgages for investors with a single property right through to the professional landlord with an extensive portfolio.
The market has changed over the last 12 months with lending criteria tightening and the introduction of Limited Company Buy to Lets which allow the property to be held under a company structure. This has placed some investors in an awkward position when re-mortgaging but we have experience in restructuring buy to let financing, allowing you to move forward and bring your investment under control. If you would like an informal chat about your buy to let property finance then please feel free to contact us
IMS - Insurance and Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number 300993
Registered Address Applegarth, The Reddings, Cheltenham, GL51 6RL
Registered in England & Wales No: 4496808
The guidance and advice contained within this website is subject to the regulatory regime and is therefore primarily targeted at consumers based in the UK
Your home may be repossessed if you do not keep up repayments on your mortgage