Your mortgage is one of your biggest financial commitments and with literally thousands to choose from, it’s important that you have the right one for you. So, we’ll sit down with you, listen to your plans and look at your circumstances before our team gets to work. They’re completely impartial, so we can look at the whole mortgage market and at specialist products such as residential and buy-to-let mortgages. We can also arrange deals if you’re self-employed or have a less-than-perfect credit rating.
First-Time Buyer
Getting onto the property ladder can feel more challenging than ever, with lenders frequently changing their criteria and some asking for larger deposits. At Trusted Mortgage and Financial Solutions, we are committed to supporting first-time buyers and will do everything we can to help you achieve your dream of homeownership. We understand this market inside out and stay updated with the latest offers and changes. With thousands of mortgage products available, we’ll help you choose the one that’s right for you. Whether you’re in the planning and saving stage, have already saved your deposit, or have received help from family, talk to us before starting your property journey. Even if you’re not quite there yet, we’re experts in the various schemes available to help first-time buyers.
As independent advisers, our expert knowledge of the mortgage market means we can explore options you may not have considered. If there’s a way to get you onto the property ladder, you can trust us to find it.
Home Mover
A home mover’s mortgage is simply when you move to a new property and either change your mortgage provider, upgrade to a larger home, or downsize.
As a home-mover, you likely already have a mortgage in place and may be wondering whether to extend your current one or take out a new mortgage. Another option you may have come across is porting your mortgage, which allows you to transfer your existing mortgage to your new property. If you’re upsizing, this could mean taking out an additional mortgage to cover the difference.
Re-mortgage or Capital Raising
If you have equity in your property, you can raise capital without needing to move home—this is known as re-mortgaging. People often choose to re-mortgage to consolidate debts, cover significant expenses like a wedding, home renovations, or even a new car. The options are virtually endless, and you can do it all while staying in your current home!
Re-mortgaging can provide a helpful financial boost, especially in challenging times. By releasing some cash from your property, you may find it’s “just what the doctor ordered.” However, remember that re-mortgaging often involves extending your loan term, which means paying more interest over the life of the loan.
Please consider carefully before securing other debts against your home.
Your property may be at risk of repossession if you do not keep up with mortgage payments or other debts secured on it.
Right to Buy / Right to Acquire
In the UK, if you have been living in your council property/ housing associations for over 3 years, it is possible to purchase your home at a discounted rate. Because of the discount applied, it generally means that you won’t have to pay a deposit. This is a much better proposition than renting, as you will own your own home. Talk to us here at Trusted Mortgage and let’s get you on the property ladder.
Specialist & Adverse Mortgages
At Trusted Mortgage and Financial Solutions, we leverage our extensive experience to assist you with specialist and adverse credit mortgages.
If you’re currently in a debt management plan, have County Court Judgments (CCJs), completed an Individual Voluntary Arrangement (IVA) over six years ago, or have faced bankruptcy, we are here to help. We have access to the whole of market, so can find the most appropriate deal to suit your circumstances.
With such mortgages, the LTV (loan to value) ratio will be slightly different to a more mainstream mortgage, but we can help. They’re completely impartial, so we can look at the whole mortgage market and at specialist products such as residencia and buy-to-let mortgages. We can also arrange deals if you’re self-employed or have a less-than-perfect credit rating.
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.