Buying your first home is one of the most exciting and important things you will do in your life, however it can also be a nerve-wracking experience and that’s where we come in.
Buying your first home is one of the most exciting and important things you will do in your life, however it can also be a nerve-wracking experience and that’s where we come in. At Mortgage Fixed we have extensive experience in dealing with first time buyers and as such our job is to remove all of the stress and hassle that comes along with getting on the property ladder.
From finding the right possible mortgage suited to your circumstances, to guiding you through the home buying process from start to finish and answering any questions you may have, let us do the hard work so you can sit back and relax and think about all the future memories you’re going to create in your new home!
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Whether you’re looking to move to that forever family home or are downsizing later in life, Mortgage Fixed can assist with that home move.
Whether you’re looking to move to that forever family home or are downsizing later in life, Mortgage Fixed can assist with that home move. Whilst you may already have experience of buying a property by this point, the fact that you would likely also be selling this time round brings its own unique set of challenges. Mortgage Fixed are on hand to help you navigate the full journey from start to finish with minimum fuss.
We advise on the most cost effective way for financing the home move, whether that is porting with your existing lender or taking a new mortgage product with a new lender.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Whether staying with your current lender or moving to a new one, we’ll find the right remortgage for you.
When Mortgage Fixed arranges your mortgage, you can become a client for life, which means that we won’t just assist you in purchasing your dream home but will help you find another tailored deal when your current one expires.
Put simply, remortgaging takes place when your current mortgage deal expires and allows you to select a new rate to avoid moving onto a lenders standard variable rate which can prove very expensive. Similar to a purchase mortgage, we search the market for thousands of options to ensure you’re always benefiting from the right deal.
It is also possible to borrow additional funds when remortgaging to help with a wide range of things from carrying out home improvements to consolidating existing debt.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Purchasing a new build can be a great option for both first time buyers and home movers however there are a few additional factors when finding the best mortgage.
Purchasing a new build can be a great option for both first time buyers and home movers however there are a few additional factors when finding the best mortgage. Lenders have set limits on how much deposit is required depending on if you’re buying a flat or a house and there are also restrictions on builder incentives if you are fortunate enough to be offered those.
Offer validity periods can also be tailored around completion dates if your new build home isn’t going to be ready imminently.
We are new build experts who work with a variety of builders and can guide you through those additional complexities.
Preferential interest rates if your “Green” home meets certain standards of energy efficiency.
As climate change continues to pose an ever increasing threat, both brokers and lenders alike are committed to doing their part to help the future of the planet. To support this a number of lenders are now offering ‘green mortgages’, which provide preferential interest rates if your home meets certain standards in terms of energy efficiency.
As well as having access to these deals through our extensive lender panel, here at Mortgage Fixed we’re taking things one step further with our sustainability pledge: For every green mortgage that we arrange for our clients, we will plant 20 trees through our environmental partners Ecologi.
Please contact us to find out more about green mortgages and whether your current or potential new home qualifies.
A buy-to-let mortgage is for people who buy a property as an investment either in your name or limited company.
A Buy to Let is a loan for purchasing a residential property that is let to tenants rather than lived in by the borrower. The typical deposit required is likely to be around 25% and most buy to let mortgages are available on an interest only basis. The amount you can borrow will generally be based on the rental income of the property alongside your own personal income.
Buy to Lets are a great way to boost your income or help build to build up your assets for retirement. At Mortgage Fixed we can provide expert advice on all aspects of Buy To Let lending, whether it be for one property or a large portfolio, both in your own name or through a Ltd company.
A Buy to Let will be secured against your property.
The Financial Conduct Authority does not regulate some forms of Buy to Let.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
We pride ourselves on our professional, friendly service, which continues throughout the lifetime of your mortgage journey.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
