At the mortgage broker, we specialise in providing you with quality, professional mortgage advice that you can trust. Whatever you’re particular requirements, w hether it be a mortgage, remortgage, buy to let, or protection against accident, sickness or death w e can ensure that w e find the best solution for you.
With over 20 years’ experience within the mortgage finance industry you can be confident that w e w ill be able to source the most appropriate mortgage to suite your needs in the area.
We have access to the whole of market so w e can select mortgages from any provider, unlike many tied advisers w ho are forced to select from a narrow range of products.
How to get a mortgage ; See how w e can help you find the most appropriate mortgage, and provide top mortgage advice and recommendation; complete the online form or call us on 07540-520846 for a free no-obligation and confidential chat about your circumstances and requirements. Click To Call Me
Here’s what we can help you with:
For many of us, buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from qualified advisers. It is for this very reason that impartial mortgage advice is critical from competent and qualified advisers.
Whether you are a first time buyer, looking to remortgage, purchase a second home or even looking to release equity to provide income in retirement. This is w here our mortgage advisers excel.
Be reassured that our goal is to guarantee reliable mortgage advice so you can be sure that the advice w e provide is appropriat e to any individual that makes contact w ith us.
Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from qualified advisers.
When you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Remortgages can be used for various reasons. How ever, most people simply sw itch mortgages because it w ill w ork out cheaper for them.
For example, the introductory discounted interest rate may have finished w ith your current lender; therefore you could potentially get a new discount rate, or a low er APR, w ith another lender. Another example is w hen you may need to re-mortgage to consolidate debts.
It is worth noting that a remortgage is not the best option in all cases. This is w hy you need to consult your mortgage broker to ensure that you are getting the most appropriate mortgage advice. Even if the lender you are considering sw itching to is offering a low er APR, you must take into consideration the facts that:
Becoming a private landlord should not be seen as an easy way of making money. One of the most important aspects here is ensuring that you get the best mortgage advice, as it can be riskier and more complicated.
Being a landlord can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices w ill rise. That said, having a second property to let to tenants could reap considerable financial rew ards over time. The secret is getting really sound mortgage advice. Click To Call Me
There are 3 main differences in buy to let mortgages:
When buying a second property to let, you w ill need to decide w hether your primary objective is income or capital grow th. In other w ords, are you looking to make a profit month on month or are you looking to make a profit through increased equity from the second property if it increases in value over time? The decision may affect the type of property you purchase, and the location.
Additionally, when acquiring your new property, you may need home improvement loans in order to bring your rental property up to standard. Again this is an area that your mortgage broker w ill be able to assist w it h.
When you manage a property there are many costs involved in addition to the monthly mortgage repayments. As a guide, you should be aiming to achieve a gross rent of about
135% of the rental property's interest only mortgage repayments in order to cover your costs should anything go w rong.
These additional costs include:
When choosing a property to let, it is wise to take advice from local letting agents to determine; w hat types of properties are in need and w hich parts of the tow n are best or most w anted. They can tell you if there is a University in the tow n, and if students are looking for somew here to live.
Bad Credit Mortgage – If you have suffered bad credit in the past don’t w orry, w e may be able to help you. We have access to a large range of lenders how provide bad credit mortgage facilities, so don’t feel that you are beyond help. Call the Mortgage Broker to get mortgage advice to suite your particular circumstances; even if you have a history of bed credit. We can provide for many bad credit mortgage needs. Click To Call Me
So, if you are looking for a professional independent mortgage broker ; Click here to visit our main w ebsite and check out our home improvement loans , mortgage advice and w e w ill show you how to get a mortgage .
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST Y OUR HOME. YOUR HOM E M AY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYM ENTS ON A M ORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Integra Mortgage Solutions is directly authorised and regulated by the Financial Conduct Authority under reference 305043. Registered in England and Wales No: 02497661. Registered Office: 30-32 High Street, Bristol, BS35 2AJ. Calls may be recorded for training and monitoring. To view our Privacy Statement please click here.