No, regardless of whether or not you choose to have a survey completed privately, the lender will require a mortgage valuation to be carried out during the application process by one of their approved valuers. We can provide quotes for more detailed surveys or...
Read moreIf you are considering building your own home, renovating or converting an existing property, we can source suitable finance for your project based upon your specific requirements.
Read moreThe new Help to Buy: Equity Loan scheme was launched on 1 April 2021. It is for first-time buyers and includes regional property price limits to ensure the scheme reaches people who need it most; it will run until March 2023. As with the previous scheme, the...
Read moreShared Ownership allows you to part-buy and part-rent your home from a housing association. The share of the property you purchase is usually between 25% and 75% (a mortgage can be secured on this percentage of the property) and you rent the remaining share from the...
Read moreIf you meet certain criteria, you will be eligible to purchase your council home. The current economic climate can make this an attractive proposition for certain council house tenants.
Read moreFor leasehold properties, mostly flats, apartments and maisonettes, a short lease can make finding a mortgage for the property more difficult: a term of less than 60 years is deemed short. As a rule, shorter leases can negatively affect the value of a property as it...
Read moreWhen you buy a freehold property, you own the building and the land it’s on until you decide to sell it (though of course your mortgage company could still repossess it if you don’t keep up repayments). This kind of total ownership is known as ‘title absolute’. If you...
Read moreWe offer a fast quotation service to get your purchase and/or sale moving as quickly as possible. We have access to over 200 solicitors around the country all individually rated by past clients. There is never a charge if your sale or purchase does not...
Read moreYes, although the pool of lenders which offer mortgages to applicants whose main source of income is from property letting is limited.
Read moreNo. An HMO mortgage is a type of mortgage specifically for landlords who want to rent out their property to more than three tenants who aren’t from one household. These mortgages have some key differences, such as lenders only considering experienced landlords,...
Read moreThe best way to explain a Let to Buy mortgage is using an example case. Mr & Mrs Smith are living in a property that they currently own, with a mortgage. They would like to buy a new property to be their home and to rent out their current property to tenants. ...
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