These are the different types of mortgage:

• Self certification
  You certify your own income
• First time buyer
  Your first mortgage up to 100% loans
• Adverse/sub-prime mortgages
  For the person with credit history problems
• Re-mortgage
  To fund a special project or unexpected change
• Buy to let
  Excellent rates and low deposits
• Let to buy
  Mortgages for letting your old house to buy a new one
• Self Build
  Mortgage for allowing clients to build their own home
• Right to buy
  For council tenants wishing to purchase their home

A mortgage is the name given to a loan secured on your home.  On average a mortgage runs for around 25 years but it is becoming more frequent for existing home owners to consider a new mortgage, perhaps to buy a second home or to raise additional capital for home improvements or other purposes such as an unexpected burden, a holiday home or other investment.

A mortgage is a long-term loan investment and the investors circumstances dictate the amount and term of the mortgage.

The amount that you can borrow is related to the value of the property and your income. There are various types of mortgage arrangement for paying back the loan and different interest rates available.

The amount you can borrow is also related to you occupation/source of income, for self employed people additional information is provided. For people with none standard income self certification may be appropriate.

Remember, the amount you can borrow is determined by your income (i.e. ability to pay the mortgage payments) and the loan to value (The ratio of the mortgage to purchase price of the property).

Contact us to find out more about our mortgage services

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