Our Mortgage Specialists are here to help
We will save you time, avoid applying to the wrong lenders, avoid unwanted credit checks and be able to tell you quickly if you are likely to be able to obtain a mortgage. We get many enquiries from people who have been declined from banks, not because they have bad credit but because they have applied to the wrong bank directly after being lured in by a great mortgage rate. All the different lenders have varying criteria such as the amount of money that they will lend, age, affordability , type of employment, amounts of deposit required and the list goes on. Our mortgage brokers know which mortgage lenders to apply to. Our mortgage broker cornwall have direct access to the lenders so they are able to discuss cases with them, this along with their knowledge and experience allows them to recommend the most suitable mortgage provider.
We can help with
- Help To Buy
- Releasing capital
- First Time Buyers
- Guarantor mortgages
Buy To Let, Let To Buy, Holiday let , Student Let and HMO Mortgages
If you are looking to raise finance on a property that is to be let out either to individuals, families or multiple occupancy then we are here to help. Over the last few years lenders have become more diversified in their individual offerings for finance on properties that are being let out. Our brokers are familiar with the criteria of the individual lenders so are able to help you find the correct solution for your requirements. As we are based in Cornwall we also specialise in finding funding for Holiday lets along with Buy To lets, student lets and HMO mortgages. Our experienced mortgage brokers will be able to tell you how much you can potentially borrow for your next project and at what rate.
Sometimes a re-mortgage is not the correct solution if you are looking to release equity in your property. This can be for a multitude of reasons from debt consolidation to home improvements A secured loan is a second mortgage (a second charge) on your house, that is on separate deal to your existing mortgage. It is essential to compare this option if you are looking at a re mortgage to raise capital as in some instances it can be more beneficial. A secured loan can be placed on a residential or buy to let property. Our mortgage brokers will compare the whole of the market to find suitable secured loan solutions to see if you can raise the capital that you require at the best rates.
Equity Release , Life Time Mortgages and Home Reversion plans
Equity release is becoming more and more popular as the population ages and find themselves in the bracket of asset rich and income poor. Equity release allows capital to be released from your residential home tax free , you retain ownership of your home and the interest is rolled up instead of you having to make payments . It will reduce the value of your estate and our advisors will be able to discuss and IHT implications. The loan is expected to be repaid on death or entry in to long term care. Our equity release specialists will be able to present all of your equity release options from across the whole of the market you. They will talk you through the options making you aware of all the benefits and the things to consider when thinking about equity release. Our brokers will be able to help you evaluate if equity release is right for you after discussing with your self and if you wish family members. Importantly we are whole of market and our experienced advisors will know which providers and products will suit your requirements at the most competitive cost.
We have a lot of experience advising on Commercial Mortgages and will help you find the most suitable lender from both across the high street and niche lenders, remember we are whole of market so if there is a commercial mortgage available then we will be able to find it.
We are receiving a lot of enquiries from existing customers of high street banks who have found that they are now being offered terms that are not benefiting them or are fitting their objectives. We help to find more flexible lenders who will help you achieve your goals and aspirations.
If you have an existing commercial mortgage or are looking to fund a project then please contact us on 01872 250190 to speak to one of our mortgage broker cornwall consultants who will be able to help you.