Buy to Let

Investing in your bricks & mortar.

For you, property is more than just a place to lay your hat. You also see it as an income stream, a solid ‘bricks & mortar’ investment that you hope will yield a good return.

Whatever type of property you want to get the most from - detached, semi-detached, an apartment or a studio - there are probably as many mortgage choices as there are property types. Fortunately, we've probably already dealt with something similar to yours, which means we can help you too.

You may want to ‘Buy to Let’ a new property or ‘Let to Buy’ - renting your existing property to help buy a new one. Well, whatever it’s called, we know how to help you do it. An investment by any other name is still an investment.

Similarly, you can call us whatever you like, but we think you should just call us.

Remortgaging

Make your property work for you.

You’re thinking about remortgaging, so you either want to save some money or raise some money.
If the discount period on your existing mortgage is coming to an end, you know it’s a good time to review, rethink and save those precious percentage points.

If you’ve decided to make your property work for you (well, what’s the point of having a valuable asset if it’s just sitting there?) you’re thinking about remortgaging as a way to raise some money. Either way, you’ll be pleased to know that remortgaging is reasonably quick and straightforward to do.

Your house is more than a home, it’s also the biggest single monthly expense you have. You should be reviewing regularly to keep your costs down and to help keep your income up.

Whether you want to raise it or save it, helping you remortgage is our business. Call us, we’ll work for you to make sure your property does too.

Offshore Mortgages

Landing the right mortgage for you.

If you’re a UK citizen working overseas, or a visitor working here in the UK, you may be having trouble arranging the mortgage you want.

Perhaps that’s because, due to your location, you don’t pay very much - or any - tax. Perhaps it’s because your salary is paid into an offshore company, which makes proving your income a little complicated.If your income and personal information are hard for the lenders to check they really don’t like it and, as you may have discovered, this usually makes them unwilling to help you.

But there is an alternative. An Offshore Mortgage will enable you to get a mortgage on a property in the UK.

So, if you long for a piece of England to call your own, call us and we’ll tell you how you can plant your flag.

Second Charges

The first place to look.

Perhaps you’re looking for a flexible alternative to remortgaging your property? Perhaps your existing lender is being difficult about letting you borrow more from them? Second Charges could be just the thing you need.

Second Charges are usually quick to arrange, cover a range of loan options and won’t incur the ‘early repayment charges’ you’d find with a mortgage. They can also be used for any (legal!) purpose.

If you’d like to know more about Second Charges, the first thing you should do is call us.

Bridging Finance

When you need to move fast.

Here's a bridge you might want to cross now: a bridge you could use if you want to raise funds in a hurry. For instance, you may want to complete on a property purchase before you've completed the sale of your house. Whatever your reason, it sounds to us like Bridging Finance is what you’re looking for.

One advantage of Bridging Finance is that it can be arranged in less than a week, which is perfect for a situation where you need to move fast.

If Bridging Finance is something you’d like to know more about, then your first fast move should be to the telephone. You’ll find us waiting on the other side.