Adverse Credit Mortgages
Sometimes people get into debt through no fault of their own. There are now several lenders who cater for people in this situation.
Buy to Let Mortgages
These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.
Offset Mortgages
An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.
Equity Release
Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.
A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries.
First Time Buyers
People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.
Flexible Mortgages
With options for overpayment and payment âholidaysâ, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.
Remortgages
Remortgaging means switching your mortgage to another deal with another lender without moving property.
Self Build Mortgages
These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.
Buying a home
Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.
Second Charge Loans
Second charge loans can be secured against residential or Buy to Let properties.
Bridging Finance
A bridging loan is taken out to âbridgeâ the gap between the purchase of a new property and the sale of an existing one.
New mortgage rules (NMR)
The financial services industry regulator, the Financial Conduct Authority (FCA), has set out a new set of rules for mortgage advisers, and lenders, to improve the process of getting a mortgage.
Help to Buy and other government-backed schemes
The government has put in place a number of schemes to support house purchasers, such as Help to Buy.