we can help with
First time buyers
Buying any home can be stressful and no more so when it's your first purchase. With over 20,000 mortgages and similar numbers of insurance policies to choose from the task of finding the best yourself is almost impossible. At the Mortgage & Property Centre (UK) Ltd we use several bespoke sourcing systems to make the job easier, quicker and less stressful.
Submit Your EnquiryAll types of remortgages
Many people wonder if they could be paying less for their mortgage and in most cases the answer is yes. Careful consideration has to be given to the costs involved especially if the loan amount is below £100,000. Contact us and we will be happy to discuss your case.
Submit Your Enquiry100% mortgages
Buying or remortgaging without a deposit/equity is becoming more common and several lenders have special mortgages for such cases. Some lenders will even allow you to borrow up to 125% of a property's value. Please provide as much detail as possible on our enquiry form to enable us to find the best scheme for you.
Submit Your EnquiryBuying your council house
If you have the right to buy your council home it is normally wise to do so in every case. You can borrow extra monies for home improvements at the same time. We can assist with every stage of the application; simply tick the appropriate box on our enquiry form.
Submit Your EnquiryConsolidating debts
Done via a remortgage or using a secured loan. Careful consideration has to be given to the cost of spreading debt repayments over a longer period. Submit an enquiry and we will do the calculations to minimise your monthly outgoings.
Submit Your EnquirySelf certification of income
Particularly useful for self employed applicants as it can save time if up to date accounts are not readily available. Employed applicants can also self certify income, which can be useful if they have several sources of income. Not all lenders advertise they self certify! Submit your case to us and you may be surprised to see who does.
Submit Your EnquiryBuying to let
Buy to Let mortgages are supported primarily by the rent a property generates and each lender has its own formula for calculating the rent needed for a given loan amount. Also a minimum deposit/equity of 15% is normally required. If you're not confident with these calculations simply submit your enquiry and we will deal with them.
Submit Your EnquiryBad credit cases
Specialist lenders will consider applicants with: CCJs, defaults, IVAs, mortgage arrears, discharged bankruptcy & repossessions. Rates depend on the severity of adverse history and the time since the last event. Some cases may go through with High Street lenders, simply send us your details and let us do the searching.
Submit Your EnquiryBuying a holiday home
For homes in this country or abroad, this can be done by raising funds on the property itself ot by securing funds against another property using a remortgage or similar. Contact us to discuss your proposed purchase in good time.
Submit Your EnquiryRaising cash
Several options are available and include: taking a further advance from your current lender or remortgaging to a new lender with extra borrowing. Taking out a secured or unsecured loan. We will advise you of the most appropriate way to go about it.
Submit Your EnquiryDivorce and separation
Unfortunately, dividing up a family home as part of a relationship breakdown is becoming commonplace. A transfer of equity is normally required, with or without financial consideration, and we have many years experience helping couples successfully complete this transition as smoothly as possible. Contact us if you would like more information or to discuss a situation before going ahead.
Submit Your EnquirySecured loans
Sometimes referred to as second charge loans these are in effect a second mortgage on a property subsequent to the main mortgage. They can be over longer or shorter terms, they are relatively quick to arrange, can be used for a variety of purposes but are often at a much higher interest rate. If you are not sure if this is the best solution to your situation please send us an enquiry and we will advise accordingly. A mistake here could be very costly in the long term.
Submit Your EnquiryBridging loans
These should only be used for short-term borrowing to enable a new purchase to go through before the sale of an existing property completes.
Submit Your EnquiryInsurances
In today's competitive market it is almost impossible to source the best life assurance, property insurance and payment protection without the powerful software available to brokers.
Submit Your EnquiryFinding a solictor
If you need a conveyancing solicitor for a purchase, sale or remortgage we can advise and instruct if necessary. Solicitors specialising in providing online services to clients and brokers often prove to be much less expensive due to the volumes they transact and their reduced marketing costs. Contact us and we will be happy to discuss the options.
Get Quote and ApplyHome information pack
Properties marketed for sale from 14 December 2007 in England and Wales will need a Home Information Pack (HIP), Which includes a home energy rating. The pack includes an Energy Performance Certificate (EPC), containing advice on how to cut carbon emissions and fuel bills. Also included are documents such as a sale statement, searches and evidence of title. Bear in mind the pack may comprise 50 or more pages, especially if several searches have to be included, so the method of delivery and presentation needs to be considered carefully. We suggest vendors keep at least one hard copy, which prospective purchasers can refer to when visiting the property with a soft copy, usually on a flash drive, which can be emailed to any number of interested parties at relatively low cost. It is also recommended that you obtain a HIP from an independent source as estate agent versions will in most cases be branded with logos, etc, which could be an issue if you have to change agent at a later date.
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