MORTGAGES

We deal with a vast panel of lenders including all the major High Street banks to ensure we can find you the best deal to suit your circumstances. Whether you are a first-time buyer, existing homeowner or an experienced landlord we are here to help.

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In general, when clients contact me they have two main questions; "How much can I borrow?" and "How much is it going to cost?" As much as we would like to be able to give you this information on this website, it is extremely difficult to do because different lenders have different criteria. A few examples of this are as follows: 

 

• Some lenders will lend 4.5 times the client's income and some will lend 5 times.

• Some lenders will use 100% of client's overtime when calculating how much you can borrow and some lenders will only use 60%.

• Some lenders will take travel to work as an expense and some lenders do not.

• Employee benefits such as an interest free travel loan needs to be expressed as an expense in a mortgage application, whereas a car allowance might be able to be used as additional income.

 

The list is endless and it is our job to identify the best way forward for each and every individual client. Please feel free to contact us and we will be able to talk you through all the different scenarios.