Mortgages

Types of mortgage

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  Your first home

  First-time buyers

  If you dream of a place of your own and know that renting means paying off someone else's mortgage, come for a free consultation.

  We'll work out what you can afford, advise you, prepare you and guide you through the whole purchase.

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  Buying to let

  Buy-to-let

  If you already own your first home and want to invest your savings in property, a buy-to-let mortgage could be the right fit. The property is paid off from the tenant's rent.

  Should I set up an SPV?
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  Remortgaging

  Remortgage

  Moving your mortgage to a new lender, or negotiating better terms with your current one – such as a lower rate or lower payments.

  It can also release equity for renovations, another property or consolidating debts. How much depends on your property's value, the remaining balance and your affordability.

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  Borrowing more

  Further advance

  Extra borrowing from your current lender, secured on the same property – for example for renovations or an extension.

  Unlike a remortgage, you don't move to another lender; you simply increase your existing mortgage.

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  Switching deals

  Product switch

  Moving to a different product with the same lender, usually when your introductory rate is coming to an end.

  Instead of rolling onto the higher Standard Variable Rate (SVR), you choose a better deal with the same lender.

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  Short-term finance

  Bridging loan

  A short-term loan to buy or renovate a property – for example if you want to buy your next home before selling your current one.

  It also helps when buying at auction, or when a property's condition makes a standard mortgage hard to get.

• construction

  Building projects

  Development finance

  Short-term funding, usually for 6 to 24 months, to cover buying and building costs on a residential or commercial project.

  New builds, conversions or refurbishments – a single unit or several built in phases.

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  Borrowing against your home

  Secured loan

  If you own a property and need a larger sum on good terms, a secured loan could be the answer.

  It's particularly useful for consolidating debts or bigger investments, such as renovating your home or buying a second property to let.

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  A difficult credit history

  Bad credit

  A low credit score, missed payments, a CCJ or no UK credit history at all?

  It doesn't mean you can't buy a home. We help clients the banks often turn away, finding solutions that fit your situation.

• fact_check

  Checking the property

  Home survey

  Before you buy, an independent survey checks the condition of the property and can uncover hidden defects, upcoming repairs and potential costs.

  Remember that the lender's mortgage valuation is not the same as a full survey for the buyer.

  Order a survey

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