Looking for a mortgage broker in Winchester? You have come to the right place.
We offer a variety of products, from mortgages for first-time buyers and remortgages to buy-to-let mortgages and more.
You are a first-time buyer if you never have owned a property, or you have not owned a property for more than six months.
Various lenders have their own unique guidelines when it comes to first buyer mortgages. Typically, there are fewer complications in being a first-time homebuyer which can speed the purchase process up significantly. To be eligible for stamp duty relief as a first-time buyer, you should never have previously owned property anywhere in the world.
Getting your first mortgage might initially seem like a complex process, but it doesn’t have to be. Purchasing your first home in Winchester is an exciting endeavour. We will help you get the best product available based on your circumstances, make the process much smoother, and reduce costs, effort, and time. So, why not take advantage of this opportunity? The initial consultation is provided free of charge.
Already own a property in Winchester and want to change to a different lender to find a better or more affordable deal? We can help with that.
As experts in the remortgage market, we have a deep understanding of the available mortgage products and can provide valuable insights into which options are most suitable for your specific financial situation.
Furthermore, we have access to a wide range of lenders and mortgage products, including those that may not be readily available to the general public. This means we can help you find competitive rates and terms.
We will start by assessing your financial situation and goals and recommend the most suitable remortgage options. We will help you navigate the application process, ensuring that all necessary documents are prepared and submitted correctly and liaise with lenders on your behalf.
Researching and comparing different remortgage options can be time-consuming so let us do this work for you, saving you time and effort.
New Build Mortgages Winchester
New-build properties are a great option for first time buyers and existing property owners. New build properties often come with the latest in construction technology and design trends. This means they may have more modern features, such as open floor plans, energy-efficient appliances, and smart home technology.
They typically require less maintenance in the early years because everything is new and under warranty. This can save you money and time compared to buying an older property that might need renovations or repairs.
Furthermore, new build properties are often built with energy efficiency in mind. They may have better insulation, double-glazed windows, and efficient heating and cooling systems, which can lead to lower utility bills.
Many new build properties are available through government backed up schemes. We can help you secure them.
Buy to let Mortgages Winchester
Buy-to-let mortgages are specifically designed for individuals who want to purchase a property with the intention of renting it out to tenants. You will not be living at this property. When searching for a buy-to-let mortgage, lenders typically consider the potential rental income from the property and your own financial situation.
Shared Ownership Winchester
Whilst we specialise in all mortgages, we can provide valuable guidance on the specifics of Shared Ownership mortgages, helping you understand the process, eligibility criteria, and the various options available. We work with a number of housebuilders in and around Winchester and have access to properties not yet available to the general public.
Securing a mortgage when you’re self-employed can have its unique challenges compared to traditional employment.
Lenders typically assess your income and financial stability differently for self-employed individuals because their income might not be as straightforward or consistent as that of someone with a steady salary.
We can help you navigate the process and find the most favourable product for you and your family.
Other mortgage products we offer at our branch in Winchester: