Call: 01702 870158 | 07498 158157 | Email us
Call: 01702 870158 | 07498 158157 | Email us
Call: 01702 870158 | 07498 158157 | Email us
Buying your first property doesn’t have to be a daunting experience. We can give you advice on everything, from saving for a deposit to getting a great rate on your first mortgage. We will work closely with you to ensure your mortgage is affordable and that you are aware of any other expenses that may arise, such as stamp duty, conveyancing costs and life insurance. Put simply, we make the first-time buying experience a painless and stress free conclusion.
There are a number of reasons why you might want to remortgage your home. The most common reason is to save money. For example, if your fixed-rate period is about to expire, you might want to shop around for another mortgage with a more attractive rate. You may also want to remortgage to consolidate credit card and loan debt. Whatever the reason for remortgaging, we can help you to find the right product to suit your needs.
If you are a homeowner, you may need to borrow money to consolidate your finances, make home improvements or replace your car. Rather than take out a separate loan, you may wish to tap into the equity you have in your home by extending your existing mortgage. This is often called a further advances loan and will be offered at a different interest rate to your mortgage and come with its own set of terms. We can give you advice on the best approach and how to choose the right product to suit your needs.
If you are considering moving home, we can give you advice on the best products on the market. We have an extensive view of the market that allows us to see the most favourable products and rates. We work out how much you can borrow and can help you through the application process. From a decision in principle to completion, we are with you every step of the way.
Did you know that you can unlock the value of your property and turn it into a cash lump sum? It’s called equity release and it could be an effective way to boost your pension or free up money for other needs. You don’t need to have fully paid up your mortgage to release equity and we have a number of options available to you. We will offer honest and impartial advice on the pros and cons of equity release so that you can go in with your eyes open.
A Lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity Release is not right for everyone and may reduce the value of your estate.
If you are considering investing in property to let, a buy to let mortgage could be the best option. Buying a second property and letting it out could net you considerable financial rewards in the future. At House 2 Home, we can help you to find the right buy to let mortgage and help you through what can sometimes be a complex application process. We can give you advice on deposits, rental potential and other aspects of the buy to let mortgage process and help things to go through smoothly.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Typically we charge £250 to process an application plus £249 once the mortgage offer has been confirmed. In certain circumstances, where the mortgage is more complex or buy to let and will take more time, we may charge an additional fee of up to £995 on receipt of your mortgage offer.
We will always discuss fee’s with you in advance as the actual fee will depend on your circumstances. Also we may charge a fee of £150 for any changes to an application once the mortgage offer has been issued.
To find out more about our mortgage, protection and insurance services, speak to the team at House2Home today.