Mortgages

Types Of Mortgages

First Time Buyer

Buying your first home can be a time of excitement and celebration but can be daunting and overwhelming too, from trying to find the right mortgage for you, the best solicitors and making sure the whole process runs smoothly.

Remortgage

There are many reasons why you may want or need to remortgage. It could be anything ranging from getting a better deal on your mortgage to raising some extra money for home improvements.

Moving Home

There are many good reasons for moving to a new home, from moving to a bigger house, smaller house or just fancying a change. Moving house can also be one of the most stressful and frustrating times too.

Second Charge Mortgages

A second charge mortgage, also known as a Secured Loan and Homeowner Loan, is a loan that is secured on your property in addition to any mortgage you may already have.

Buy To Let

Whether you are looking to complete your first Buy-to let purchase, or are well on the way to building a sizeable portfolio, we at Finance Fort understand that in any commercial enterprise every penny counts when you are trying to make a profit.

First Time Buyer

Buying your first home can be a time of excitement and celebration but can be daunting and overwhelming too, from trying to find the right mortgage for you, the best solicitors and making sure the whole process runs smoothly. You may find it difficult to know which way to turn as there may be many options for first time buyers but Finance Fort is here to help.

The first step is to contact us and we will work with you to see how much you can borrow, even if you haven’t found a property yet, and any other costs involved from solicitor’s fee, valuation fees, arrangement fees and/or any stamp duty that may be due.

How much you can borrow depends on your individual circumstances and the lenders affordability criteria. Lenders will look at what you can afford, based on the number of people applying for the mortgage and assessing affordability, by taking in your income, your outgoings and any other liabilities you may have.

Remortgage

There are many reasons why you may want or need to remortgage. It could be anything ranging from getting a better deal on your mortgage to raising some extra money for home improvements.

If you are coming to the end of your current deal and want to see how we can help then get in touch with us today and we will look at the options available to you including looking at the terms and conditions of your current deal to see whether there are any charges and cost involved.

This will able you to decide whether it is worth switching or staying put until any charges or penalties have expired.

Moving Home

There are many good reasons for moving to a new home, from moving to a bigger house, smaller house or just fancying a change. Moving house can also be one of the most stressful and frustrating times too.

The most important stage is to work out your budget for the project ahead. Many believe that it is simply a case of appropriating a budget based on the sale price of a property, when in fact selling costs, legal fees and a number of other relevant fees must be taken in to account.

Here at Finance Fort we can help you with any questions that might arise and guide you through the whole process, including checking out all the mortgage deals to find a great mortgage deal tailored to your individual needs.

Buy To Let

There are many good reasons for moving to a new home, from moving to a bigger house, smaller house or just fancying a change. Moving house can also be one of the most stressful and frustrating times too.

The most important stage is to work out your budget for the project ahead. Many believe that it is simply a case of appropriating a budget based on the sale price of a property, when in fact selling costs, legal fees and a number of other relevant fees must be taken in to account.

Here at Finance Fort we can help you with any questions that might arise and guide you through the whole process, including checking out all the mortgage deals to find a great mortgage deal tailored to your individual needs.

Second Charge Mortgages

A second charge mortgage, also known as a Secured Loan and Homeowner Loan, is a loan that is secured on your property in addition to any mortgage you may already have. When you take out a second charge mortgage you effectively have two mortgages on your home; however your main mortgage (known as the first charge) always takes precedence over the second charge mortgage. Second charge mortgages are a secured loan, which means they use the borrower’s home as security.

A second charge mortgage can be used for any legal purpose such as home improvements, debt consolidation, tax bills, paying for a dream wedding/holiday/car, or for the deposit for any investment property purchase. You may choose a second charge mortgage if you are on a competitive mortgage rate already and don’t want to lose that, or if your credit status has changed since your last mortgage application, or if you are locked in to a mortgage already with heavy redemption penalties.

SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

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