Residential & Commercial Mortgages

When it comes to a residential mortgage the choice is huge, not just in terms of the lender, but also the type of mortgage, the interest rate, term and fees charged to mention but a few of the things to consider.

Each lender will have their own criteria, some will lend via the government 'help to buy' scheme whilst that is available, some will lend for particular purposes, i.e self build or buy to let, or type of property, i.e. barn conversion, whilst others will lend specifically to contractors, i.e. IT Consultants. The choice is wide and varied.

Commercial borrowing is an altogether different animal, and the available lenders, whilst much larger than many would believe, is naturally not so large in number. The requirement for information from the lenders is much greater and the underwriting process is more involved and as a consequence more time consuming. Fees are generally larger than for residential borrowing, from the arrangement fee through to the valuation.

Through years of experience, we have developed a good understanding of what a lender would typically want to see from either a residential or commercial point of view and are more than happy to act for the client, pulling together all of the information and presenting it to the potential lender. We can negotiate the fees and rates, arrange meetings and attend with and on the clients behalf dealing with the paperwork as appropriate.

Let us help you achieve the right deal for your circumstances and purchase the property that you want.

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