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Find the mortgage that is right for you

Lenders offer a range of products designed to cater to the requirements of different types of borrowers including fixed rate, flexible, trackers, first time buyer options, buy to let and schemes for non standard borrowers including the self employed. But it can be difficult to work out the best mortgage deals for you, especially when you don't know what the options are.

In today's mortgage market there are fewer products available for non standard borrowers and lending criteria has become more restrictive. For instance self certification mortgages for the self employed have been withdrawn, so if you're a self employed borrower it's more important than ever to get expert advice. Products on offer can change rapidly, so a mortgage available today can be withdrawn or replaced tomorrow. All this can make it more difficult to track down a mortgage suitable for you.

A specialist broker has access to the whole mortgage market in the UK and because of their independence will source the best mortgages for you.  Whichever kind of borrower you are, a first time buyer, looking to move to your next home, wanting to remortgage to a better rate, have a poor credit history or self employed, in today's uncertain market is pays to seek advice from a specialist broker. They could save you a lot of stress by shopping around on your behalf for the best mortgage deals.

 

First Time Buyer

Buying your first home is always the toughest step on the housing ladder. The mortgage market has contracted following the credit crunch, meaning there are fewer products on offer with high loan to values, meaning you'll need a bigger deposit. 

Get expert advice on which lenders offer the best deals for first time buyers.

Fixed Rate

If you like to have the security of a rate that won't change for a certain period of time, then a fixed rate mortgage may be suitable for you. There are usually fixed rate mortgages for 2, 3, 5 or sometimes 10 years. 

Contact a mortgage adviser to advise you on the best fixed rate mortgages.

Self Employed

Self employed customers have traditionally been hard done by when applying for mortgages – they’re considered a higher risk and as such are charged more in both upfront costs and higher rates. 

Self certification mortgages up until recently offered the self employed, contractors, freelancers, company directors, commission based workers and people with more than one source of income a means to getting a mortgage. Unfortunately these products are no longer available, but all is not lost as even though some lenders may not be interested in your business, others may be very keen to snap you up as a customer. A specialist advisor can advise on the best mortgages for the self employed.

Remortgage

When a deal comes to an end, moving to a new lender will always be tempting and cost effective for many borrowers. 

If you have been with your current lender for a long time, chances are you will no longer be liable to pay early repayment charges, meaning you are free to move to any lender in the market. In this case, and particularly if you are languishing on an uncompetitive rate, it could make sound financial sense to look around the market and move to a new lender. With a remortgage you could make significant monthly savings on your mortgage payments and your new lender will probably do all it can to make the remortgage process as hassle-free as possible.

Simply complete the enquiry form, and let a specialist broker do all the shopping around for you and provide you with a no obligation quote.

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