Looking for a mortgage broker in Alton? You have come to the right place.
We offer a variety of products, catering to first-time buyers, house movers, buy-to-let mortgages and more.
First-time buyer mortgages in Alton
If you’ve never owned a property or haven’t owned one for over six months, you qualify as a first-time buyer.
Different lenders follow their unique guidelines for first-time buyer mortgages. Generally, being a first-time homebuyer typically involves fewer complications, accelerating the purchasing process significantly. Searching for your first mortgage may seem complicated initially, but it doesn’t have to be. Embarking on the exciting journey of purchasing your first home in Alton, we aim to assist you in accessing the best available product tailored to your circumstances.
Do you own a property in Alton and looking to switch to a different lender for a better or more affordable deal? We’ve got you covered.
With our expertise in the remortgage market, we possess an in-depth understanding of available mortgage products and can offer insights to tailor the best options for your specific financial situation.
Moreover, we have access to a diverse array of lenders and mortgage products, even those not easily accessible to the general public. This means we can assist in finding competitive rates and terms for your remortgage.
Our process begins by evaluating your financial circumstances and objectives, and then recommending the most fitting remortgage options. We’ll guide you through the application process, making sure all necessary documents have been submitted. We will act as a liaison with lenders on your behalf, for no extra cost to you.
Researching and comparing various remortgage options can be a time-consuming task. Let us handle this for you, saving you valuable time and effort.
New-build properties are a great option for both first-time buyers and current property owners.
These homes are often equipped with the latest advancements in construction technology and contemporary design trends. Consequently, they often have modern features like open floor plans, energy-efficient appliances, and smart home technology.
New build properties usually demand less maintenance in their initial years as everything is brand new and covered by warranties. This can potentially save both money and time in comparison to purchasing an older property that might necessitate renovations or repairs.
Moreover, these properties are often designed with a focus on energy efficiency and sustainable living. They commonly feature superior insulation, double-glazed windows, and highly effective heating and cooling systems, resulting in reduced utility expenses.
Many new build properties are available through government backed up schemes. We can help you secure them.
Buy to let Mortgages in Alton
Buy-to-let mortgages cater to individuals seeking to buy property specifically for renting out to tenants, rather than residing there themselves. Lenders will assess both the property’s rental income potential and your financial circumstances.
Shared Ownership in Alton
At Mortgage Decisions, we specialise in a wide range of mortgage services. These include Shared Ownership mortgages. We can assist you in understanding the intricate process, eligibility requirements, and the available options. We work with several housebuilders in the Alton, giving us access to properties that are not yet accessible to the general public.
Mortgages for self-employed
Obtaining a mortgage as a self-employed individuals tends to be more difficult than for those in traditional employment. Lenders often evaluate income and financial stability differently for self-employed individuals due to the potentially less consistent and more complex nature of their earnings compared to individuals with a fixed salary.
We specialise in helping self-employed individuals secure the most advantageous mortgage product for their unique circumstances and their family’s needs. Our expertise ensures a smoother and tailored approach to finding the right solution for you.
Other mortgage products we offer at our branch in Alton: