Equity Release Mortgages
For the over 55s who are asset rich and cash poor
Are you over 55? Do you want to access some of the money tied up in your home without the worry of having to give it up? Equity Release could provide the solution either as a lump sum, an income, or a combination of both.
We can introduce your to leading experts of Equity Release who'll explain your options to ensure you understand exactly what is involved. We actively encourage you to include your children or other trusted party to support you during the advice process.
Help to Buy / Right to Buy / Shared Ownership
Do you need some help?
We keep up to date with Government policy and housing schemes designed to help you own your own home.
You may not be in a position to buy straight away but a chat with us now may help you to understand what’s available to you in the short to medium term. We can also suggest practical steps that you can take now in order to help you buy your own home in the future. We are passionate about helping those who need support in buying their own home.
Looking for a mortgage over £1 million?
As property prices in London and other prime areas continue to rise, including into the millions, you may find that you need a larger mortgage to secure the kind of home you want to live in. The problem is that many high street lenders have less of an appetite to lend above the £1 million mortgage mark.
We have expertise in helping high net worth and high-income clients to arrange larger mortgages. We approach specialist lenders and private banks who we know are willing to lend on a larger scale.
You want to move to a new home and let your existing home
Let-to-buy is a process that helps you move house if you’re struggling to or don’t want to sell your current property. There are a number of circumstances when let to buy can be a suitable option for homeowners. Perhaps your current house has dropped in value, or you need to move quickly and the market isn’t moving as fast as you need it to.
With let-to-buy you can convert the residential mortgage on your current home to a buy-to-let mortgage and release equity that can be used to purchase a new home. By releasing equity and converting to a rental property you free yourself from the property chain, allowing you to move and purchase a new home, with a new residential mortgage, much faster.
Limited Company Mortgages
Borrowing for Investment Properties owned within a Company
If you already own a Limited Company and are looking to either refinance or purchase a new investment property, we understand that the process of getting a mortgage can be tough.
There are a range of options available for you and, for reasons that largely come down to tax efficiency, more and more investors are deciding to buy properties within a Limited Company. By speaking to an expert broker and independent tax expert, we can connect you with Limited Company mortgage lenders, while supporting you from start to finish.
New Build Mortgages
Helping you buy a property off-plan
Getting a mortgage for a new-build property can present many challenges. If you’re buying off-plan, you’ll need a mortgage offer that’ll still be valid when the property is complete. You may find certain mortgage providers under-value new build properties. If you are a first time buyer, the government’s Help to Buy scheme may give you more options than you thought you had.
We are experts in helping first time buyers- and others- to move further along the housing chain. This includes securing new build mortgages and helping you avoid some of the pitfalls associated with new build along the way.