Mortgages

Are you looking to remortgage for home improvements?
Have you had an offer accepted and need a mortgage quickly?
Are you completely confused by the various options available?
Are you not sure how much you can borrow or whether you are able to obtain a mortgage?
We have access to literally thousands of deals, using our online sourcing systems. The lenders we recommend are leading building societies or high street banks.

First time buyers, home movers, 100% mortgages, remortgages, mortgage arrears, been refused for any reason, self employed, no proof of income, CCJs, Ex bankruptcy

Arranging a mortgage can be a very stressful experience if you try to do it yourself. At any one time there may be over 35000* deals. You can end up spending a lot of time on it and may not get anything like the best deal. We are experts in this field and pride ourselves on the huge number of recommendations we receive. Contact us and we will use our powerful computer databases and expert knowledge to search the vast range of mortgages and identify a suitable scheme for you.

Below are some of the questions you are faced with:

• Capital and interest or Interest only?
• Fixed rate, tracker rate, discounted rate, capped rate or cashback?
• Daily, monthly or annual interest?
• Are there any redemption penalties?
• Are there any redemption penalties once the initial deal has expired?
• Are there any fee free deals?
• Is it worth having a fee free deal if there are other deals with a lower rate of interest but an arrangement fee to pay?
• How much can I borrow?
• Is it better to us a lender which lends using income multiples or affordability?
• I want to buy a house but rent out mine, can it be done?
• Should I have an offset or flexible mortgage or a drawdown facility?
• I want to be able to overpay and withdraw these funds at a later date, is this a possibility?
• I have no proof of income, can I get a mortgage?
• Can I consolidate existing debt through a remortgage?
• I want to a buy to let property, what deposit do I need and how much can I borrow?
• Am I able to change lenders and have lower payments as I have no redemption penalties with my existing lender?
• My credit history is very poor, am I able to obtain a mortgage?
• I have no deposit, can I get a 100% or 125% mortgage?
• I have recently changed employers, am I able to obtain a mortgage?
• I have an endowment but am concerned about a potential shortfall, what should I do?

As I am sure you can appreciate, it is a minefield. The one way around it is to consult the experts.

*Trigold September 2007