Open & Honest Mortgage Advice in Northampton

First time buyer in Coventry and Northampton who is ready to take your first step on the property ladder but has no idea where to start. From the initial call all the way through to picking up your keys, our team can assist you through the whole process keeping you continually updated on what’s going on and at the same time keeping technical jargon to an absolute minimum.

If you are looking for assistance in obtaining a mortgage, book your free mortgage appointment by booking online or by telephone to speak with a member of our team to talk with a first time buyer mortgage advisor in Northampton.

During your appointment, our team will ask you a range of questions to get an idea of your financial background. From that, an affordability assessment will begin to see what type of deals may be available to you. At the same time, your mortgage advisor in Northampton will search thousands of deals to find you the most suitable product fitting for you, and look to obtain you an Agreement in Principle (AIP), also known as a Decision in Principle (DIP), within 24 hours. Remember, your mortgage advisor in Northampton is there to help you 7 days a week, so ask as many questions as you want to.

If you are struggling to save enough for a deposit using the Help to Buy scheme might be better suited for you. Introduced by the government, there is a range of different schemes designed to help first time buyers in Northampton looking to take that first step on the property ladder.

If you are thinking of moving home in Coventry and surround areas in Northampton, the process can be more known to you as you have done this before. In spite of this, one aspect that can be a hurdle in the process is that you must buy and sell the property simultaneously. The process of managing two properties can be a balancing act, particularly with the mortgage aspect. That is where we come in, we can assist you with the mortgage process.

Numerous reasons people look at move home like looking for a bigger property. If this is your scenario, it’s likely that you should check your affordability before taking viewing and making offers. Our team can help you with budgetary so you have an idea of what properties you can afford in Northampton.

Having worked in the mortgage industry for over 20 years, we have strong ties working alongside many buy to let mortgages in Coventry and Northampton. Our team is ready to help you whether you are a First Time Buyer landlord or have an existing portfolio.

There are different Buy to Let mortgage options out there like a HMO, Holiday Let, Let to Buy and many more! Your allocated mortgage advisor in Northampton can talk through all of your Buy to Let options.

You need to remortgage in Coventry and Northampton when you are coming to the end of your fixed mortgage term. The process involves you switching onto another mortgage product to avoid falling onto your lender’s standard variable rate of interest. Our team can help you search the market for competitive rates and products. In certain cases, you may have competitive rates available to you if you have kept up with your repayments.

As well as finding a better deal, many people remortgage for other reasons like home improvements, to release equity or to consolidate debt into their mortgage.

You should think speak to a mortgage advisor in Northampton before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

If you are self employed in Coventry and Northampton, the process will be just like the other scenarios, but the one difference is evidencing your income. This will involve you providing additional documents that your Mortgage Advisor in Northampton would advise you to provide. Like with the other mortgage types, they will still carry out an affordability assessment and see what deals are on offer to you.

If you are looking to explore your mortgage options and are over the age of 50, you may be eligible for a variety of mortgage options. We have a dedicated later-life lending team that you can book a free appointment with. You can book online or give us a call to schedule a date and time.