Residential Mortgages
Let us help you find the best mortgage for your home
If you are thinking of buying a new home or moving house we can source the best home mortgage deal to suit your requirements. We have access to exclusive deals not available on the high street or online. We provide a fast and friendly, no fuss service.
Home Mortgages For First Time Buyers
Getting on the property ladder can be tough these days with lenders imposing increasingly stringent restrictions. At Turney & Associates, we understand your needs and have access to the mortgages especially designed with you in mind. These include 90% mortgages (deposit required), and fixed rate mortgages that allow you to budget in years to come.
Moving Home
If you are an existing home owner and are considering re-locating or moving to a larger property, then we can find a mortgage to suit your requirements.
We have access to some of the best deals around.
Home Mortgages for Self Build & Property Renovations
If 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.
Council Right to Buy Home Mortgages
If 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.
Adverse Credit / Impaired Credit / CCJ’s
We can usually still help even if you have an adverse credit history. Impaired credit could be a result of many factors and consequently lenders tend to make their judgment based on the specific details for each case.
Thank you so much for your help, you really made the process much smoother for us.
Thank you – your knowledge and efficiency is a breath of fresh air in the whole house buying business!
First Time Buyer Mortgages
As a first time buyer looking for a mortgage you have many opportunities and some things are really in your favour. Whatever property you are looking for, we can help you get the right mortgage and make the purchase a lot simpler.
Read moreRemortgages
When you remortgage you’re not buying a new home, you are switching your mortgage to different lender, or to a different product from the same lender. We can help you find some great offers when remortgaging.
Read moreMortgages for PhD students
We are often asked if it is possible to base a mortgage on stipend income, the answer is yes. Current lending criteria requires that the applicant who earns a stipend income must be purchasing a property jointly with another applicant who is employed.
Read moreNew Build Mortgages
We can help you to find a suitable mortgage for a new build property. 'New Build' is usually a property where the construction was completed or the property first occupied in the last 24 months.
Read moreSelf Build and Renovate
Building your own home has become increasingly popular. The already high and ever increasing property prices make it hard for individuals to move up the property ladder.
Read moreSelf-Employed Mortgages
Although being self-employed means that you may not earn a regular amount each month, it is still possible for lenders to assess your income for mortgage purposes.
Read moreFixed-Term Contract Employment
Are you employed on a fixed-term contract and looking for a mortgage to buy your own home? With our expert help you can save time and find lenders quickly.
Read moreCouncil Right to Buy
Right to Buy mortgages, also known as council purchase mortgages, are a means of raising finance to purchase the property. We can help you find the right lender and offers available to you.
Read moreFirst Homes Scheme
First Homes is a new scheme to help local first-time buyers and key workers buy a first home, by offering homes at a discount of at least 30%.
Read moreHelp To Buy Schemes
Help to Buy Equity Loan With the Help to Buy equity loan, the Government may loan you up to 20% of the value of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the balance. Equity loan conditions: You need to have a minimum of...
Read moreSecond Residential Mortgage
A second residential mortgage is for someone who already owns a home and is looking to buy a second property, typically for use as a holiday residence or a weekday work base.
Read moreShared Ownership
Shared 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%.
Read moreImpaired Credit Mortgages
Impaired Credit Mortgages, CCJs, Poor Credit History, Dissolved IVAs, Dissolved Bankruptcy. We have experience in dealing with all these issues and helping our customers find suitable mortgages for their situation.
Read moreFreehold vs Leasehold
What are the differences between Freehold and Leasehold properties? We can help with mortgage options, financial services and advice regarding your property.
Read moreMortgage Deal Review
In the final months of your current fixed or discounted rate, it is time to contact us here at Turney & Associates to avoid paying your existing lender’s standard variable rate for your Residential or Buy to Let mortgage. We would be pleased to discuss your current mortgage requirements with you. We could offer you very...
Read moreMortgage Enquiry Form
Contact us regarding your mortgage enquiry, and provide some helpful info so we can start looking for the most suitable mortgage deals.
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