First Choice Mortgage & Protection
FIRST-TIME BUYERS
Buying your first home is exciting, but understanding how much you can borrow, how much deposit you'll need and which mortgage is right for you can sometimes feel complicated.
We'll guide you through the whole process, from establishing your budget and obtaining a Decision in Principle to choosing the right mortgage and submitting your application.
With access to a wide range of lenders and almost 30 years' experience in mortgage advice, we'll help you understand your options and make the process of buying your first home as straightforward as possible.
Remortgaging Options
Whether your current mortgage deal is coming to an end, you're looking for a more competitive rate, or you'd like to raise additional funds from your property, we'll help you explore your remortgage options.
We'll compare your existing mortgage with the options available from a wide range of lenders, taking into account interest rates, fees and any early repayment charges to establish whether switching lender makes financial sense.
With almost 30 years' experience in mortgage advice, we'll guide you through the process from the initial comparison through to completion.
Moving Home
Moving home is a good opportunity to review your mortgage and make sure it still meets your needs.
If you already have a mortgage, we'll look at whether it can be transferred to your new property, known as porting, and compare this with the alternative of arranging a new mortgage. We'll take into account your existing interest rate, any early repayment charges, additional borrowing requirements and the products available from other lenders.
We'll also establish how much you can comfortably borrow and obtain a Decision in Principle, giving you a clear idea of your budget before you make an offer on your new home.
With almost 30 years' experience in mortgage advice, we'll help you find the most appropriate solution and guide you through the mortgage process from start to finish.
SELF-EMPLOYED
MORTGAGES
Can I get a mortgage with only one year's accounts?
Yes, in many cases you can.
While some lenders require two or three years' trading history, there are lenders that will consider self-employed applicants with just one full year's accounts or tax return.
The options available will depend on your individual circumstances, including your trading history, income, deposit and credit profile. We'll assess your circumstances and identify lenders whose criteria are suited to your situation, rather than simply waiting until you have another year's accounts.
If you've recently become self-employed or started your own business, speak to us and we'll establish what options are available.
Buy-to-Let Mortgages
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
Whether you're purchasing your first investment property, expanding an existing portfolio or looking to remortgage a property you already own, we'll help you find the right buy-to-let mortgage for your circumstances.
We'll consider rental income, property value, borrowing requirements and your wider circumstances before comparing options from a wide range of lenders.
With almost 30 years' mortgage experience, together with first-hand experience of owning, financing and managing investment properties, we understand buy-to-let from both a broker's and a landlord's perspective.
From straightforward single properties to more complex portfolio and limited company cases, we'll help you find the most appropriate solution.