FIRST-TIME BUYER
Getting on the property ladder can be both exciting and daunting. We are proud to have helped vast amounts of first time buyers achieve their goal over the years while taking away some of the stress.
We strongly advise all first time buyers to come and speak with us before even looking at properties. There are many benefits to approaching your house hunt in this fashion but the most important reasons are budget and affordability. We will also confirm all the costs you will incur when buying a property so that you are aware of exactly what they are, how much they are and when you need to pay them.
YOU MAY ASK, WHO WILL LEND TO ME?
Fortunately, here at J&M Mortgage Solutions we work with a comprehensive range of lenders so you will have the benefit of looking at products available to you from wide range of providers simultaneously. And we know what lenders will and will not lend based on the circumstances of the individual that we are helping.
We will calculate, based on your position, how much deposit and how much mortgage you will need.
Working out your numbers correctly before you start looking is very important as your deposit will have a major impact on the not just the interest rate you are offered but also the amount you are offered.
As part of the application process we will look at your lifestyle, income and expenditure, as well as details of your credit report, and determine the most likely borrowing limits.
As mortgage brokers that compare products from a comprehensive range of lenders, we will ensure that you get the most suitable first mortgage.
BEING IN THE STRONGEST BUYING POSITION
When you make an offer you will need to have a mortgage agreed in principle as without this agents and sellers will not enter into any negotiations as you will not be viewed as a serious buyer. We aim to put all our first time buyers in the strongest position by having a valid agreement in principle and mortgage brokers that can be contacted by agents during negotiations
See our FAQ page for more information and questions you may have.
Your home may be repossessed if you do not keep up repayments on your mortgage.
HOME MOVER
So you are already on the property ladder and you have decided to move home so you understand just how important having the right mortgage is.
CONSIDER YOUR CHOICES
There are a number of options to consider when taking out a mortgage when moving home. Whilst it may be convenient to approach your current lender, they will be limited to only offering you products from their own range. We will search our comprehensive range lenders saving you time and giving you the peace of mind that you have the best product available based on your circumstances. We will complete a full cost analysis between a new lender and your existing to see what the best option is for you. If you are locked into a product with penalties if redeemed, we are able to port your product with most lenders.
COST OF MOVE
Most people do not move home frequently which is why we will complete a full and comprehensive cost of move exercise to confirm exactly how much equity is available for to cover costs and onward deposit. With all the costs associated with buying and selling regularly changing our clients feel they benefit greatly from the cost of move exercise.
See our FAQ page for more information and questions you may have.
Your home may be repossessed if you do not keep up repayments on your mortgage.
HOME MOVER
So you are already on the property ladder and you have decided to move home so you understand just how important having the right mortgage is.
CONSIDER YOUR CHOICES
There are a number of options to consider when taking out a mortgage when moving home. Whilst it may be convenient to approach your current lender, they will be limited to only offering you products from their own range. We will search our comprehensive range lenders saving you time and giving you the peace of mind that you have the best product available based on your circumstances. We will complete a full cost analysis between a new lender and your existing to see what the best option is for you. If you are locked into a product with penalties if redeemed, we are able to port your product with most lenders.
COST OF MOVE
Most people do not move home frequently which is why we will complete a full and comprehensive cost of move exercise to confirm exactly how much equity is available for to cover costs and onward deposit. With all the costs associated with buying and selling regularly changing our clients feel they benefit greatly from the cost of move exercise.
See our FAQ page for more information and questions you may have.
Your home may be repossessed if you do not keep up repayments on your mortgage.
REMORTGAGE
If your mortgage product is coming to an end, we would recommend starting the process 4 to 5 months in advance to allow enough time for a comfortable transition between lenders .
IS IT WORTH REMORTGAGING WITH A NEW LENDER OR SHOULD I JUST STICK WITH MY CURRENT PROVIDER?
It may well be beneficial to remain with your current lender by way of product transfer however we will confirm if this is the best option by comparing against our comprehensive range of lenders. If moving to a new lender is beneficial we can help or if remaining with your current provider is beneficial we can in the majority of cases assist with this also.
RELEASING EQUITY
Thinking about renovating, extending or need funds for other personal consumption? Remortgaging and releasing equity can be one of the cheapest ways of borrowing. Speak with us to see if this is a suitable option for you.
See our FAQ page for more information and questions you may have.
Your home may be repossessed if you do not keep up repayments on your mortgage.
BUY-TO-LET
If you are planning to buy a property with a view to renting it out to tenants, you will need a buy to let mortgage.
If you are an experienced landlord or a first time investor speak to us for all the latest information in this ever changing market. We help both personal and limited company buy to let investors and have access to a comprehensive range of products.
See our FAQ page for more information and questions you may have.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
BUY-TO-LET
If you are planning to buy a property with a view to renting it out to tenants, you will need a buy to let mortgage.
If you are an experienced landlord or a first time investor speak to us for all the latest information in this ever changing market. We help both personal and limited company buy to let investors and have access to a comprehensive range of products.
See our FAQ page for more information and questions you may have.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.