For most people their mortgage is probably the largest financial commitment. It makes sense that you seek professional mortgage advice individually tailored to your needs and requirements.

Our mortgage sourcing system is updated daily enabling us to provide you with the latest mortgage schemes. We can offer mortgages suitable to each individuals requirements so there is no need to look any further.

Your circumstances

Whether you are a first time buyer or looking to make your third purchase, we know that finding your way through the mortgage maze doesn't get any easier. Every lender has their own preference for the type of business they want to attract. And just to make it more complicated they offer a myriad of different schemes and incentives with differing costs and conditions.

With all the schemes available we understand that it's easy to get confused by the ever changing mortgage marketplace.

First Time Buyers

Mortgages Herts We are here to undertake the research for you, and steer you to the most appropriate lender and scheme. We know which lenders favour First Time Buyers, and provide innovative solutions to help you get on the property ownership ladder. We also know which ones try to help out by keeping the ancillary costs as low as possible. There is no point in needlessly spending money just because you don't know an alternative lender is offering these items free.

Moving home

Home movers wanting to move up market face the same plethora of choices. You could spend a week researching all the alternatives and still miss the most appropriate deal. Many of our clients end up coming to us for assistance, having spent a frustrating search through the internet and lenders adverts. We know your most precious asset is time and therefore it makes sense to get us to do the legwork.

Vendor or Builder deposits

Mortgages Hertfordshire It is quite common when buying a property to be offered Vendor Deposit or Builder Deposit incentives. This is where the property is being sold for the full price, and the vendor or builder is providing the purchaser with a contribution to the deposit. This can be up to 5% of the purchase price.
It can be quite difficult to find lenders who will allow these deposits, particularly at the higher percentages. We have access to lenders who will consider these deposit paid schemes up to 5% of the purchase price.

How much can you borrow

To complicate things further many lenders now assess your ability to borrow by 'affordability' rather than the old income multiples. They each have their different calculations and requirements. It makes sense to let us quickly shortlist the best schemes for you.

Ring us now - our aim is to save you time and trouble

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our fees are usually up to 1% of the loan amount depending on your circumstances. Typically this will be £361 plus a £100 administration fee.