I’m a First Time Buyer

Buying your first home is exciting, and we’re really happy that we’ll be able to help you do this. You’ll probably have lots of questions, so we thought we’d tell you some of the basics here first. And of course, the team at My Simple Mortgage are all experts so will help you every step of the way.

Buying a house is typically a very simple process so long as you get the right advice, and follow the right course of actions. The first thing you’ll need to do once you’ve found the ideal home, is arrange the finance, and that’s where we come in. We’ll take you through what we call a “Fact Finding Questionnaire” to make sure we’ve understood your situation and needs properly. Once we have this information, we’ll be able to recommend a suitable mortgage for you that meets your budget, and that we’re confident the lender will agree to.

Once you’re happy with the recommendation, we’ll submit the application. Typically to do this we’ll require some documentation from you including a proof of ID and some proof of your income. As this varies from person to person, your adviser will let you know exactly what we’ll need from you. It won’t be hard to pull together though, and your adviser will help you arrange this.

Once the application is in, it’s time to have the property valued. We’ll arrange for this to happen with the lender and the estate agent. You don’t need to do a thing.

Next, after the valuation has happened and an underwriter has looked at your case in its entirety, the lender will issue what we call a Formal Offer. This means you’ll have the money to buy the home.

Once the offer is issued, a copy is sent to your solicitor who will do the necessary legal work to make the house yours. They will gather all the money from the lender, and your deposit, and buy the house for you.

The final, and best part, is when you pick up your keys to your new home. Typically the whole process can take up 8 weeks, but can often be a lot quicker.

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your employment, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to buy. It’s all confidential and will form the basis of any application we may make on your behalf.

Your application is submitted

Once we have worked through your information and matched you to a lender, we’ll then be sure to talk you through what is happening – after all, our job is to advise you, not just do the paperwork. When you are happy with what your adviser recommends, and they’re happy you’ve understood everything you need to know, we’ll submit the application for you. To do this we will need to collect some documents to prove to the bank what we’re telling them. It can vary from lender to lender, but typically this will include a proof of ID and address for each person applying, proof of your income such as payslips or tax returns*, and finally copies of your bank statements so a full assessment of your expenditure can be done.

For more detail on the exact information we need, you can download our full list here. And to keep you safe, you can upload your documents securely via our website here.

*See our section on being Self-Employed if you work for yourself.

 

 

We arrange a valuation

Like you, the lender will want to know that the house you’re buying is safe and suitable. So to do this, they will conduct a survey. You’ll normally receive a copy of this as well. It will confirm the price (or suggest an alternative price if the purchase price isn’t right). It’ll also tell you if any particular work needs to be done to the house in order for it to be safe, or even suitable to buy.

There are three different types of valuations or surveys available. They are:

  1. Basic Valuation. This will confirm the price of the house as well as if there have been any significant structural issues. Most lenders are happy with just this level of valuation being done.

  2. Home Buyers Survey. This is done by the same person who will do the valuation, and at the same time, however they will provide you with a much more in depth report on the house, such as identifying if there’s been a problem that might need further looking into. It may identify if there’s been damp, or problems with the heating or wiring.
  3. Full Structural Survey. This will cover in great detail every element of the house, including the foundations and the brickwork. Typically, a full structural survey is only carried out if issues are identified in the basic valuation. It will ultimately be your choice. A full structural survey will cost more money but may give you more peace of mind.
You receive your mortgage offer

This is the exciting part – when you see the confirmation from the lender that they’ll lend you the money to buy your home. Typically, we’ll contact you to tell you it’s been approved, and then we’ll send you a copy of the offer. Your lender may also send you a copy in the post. More importantly though, a copy will be sent to your solicitor who will then take over and purchase the house for you.

Your house is purchased

This is the legal part, and for this, you’ll need a solicitor (sometimes called a conveyancer. They’re slightly different, but we don’t need to worry about the technicalities of that here). You solicitor will work with the solicitor of the person selling the house to arrange having the property put in your name. This involves working with the land registry as well to make sure the house is legally yours. They’ll perform other tasks too, such as “searches” with the local authority to make sure the property will be yours for as long as you want it. They’ll also make sure that your lender’s name is registered on the property. This is called having a “charge” on the property. It protects the lender in the event of you being unable to pay the mortgage, they can take the property back.

Before the solicitor will complete the purchase though, it will be a requirement of your mortgage that you have adequate buildings insurance in place, so if the worst happens to your house, everyone’s money and home is safe. Speak to your adviser about putting this in place for you. We work closely with the team at Legal & General to bring you excellent cover.

You get the keys!

Congratulations – you did it. You bought your first home. Now the fun of decorating and DIY can really begin. There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form to make the first step towards your brand new home.

I’m Moving Home

Moving home can be stressful. There’s lots to consider such as the area you want to live, new schools and commutes to work. But one thing that should be simple is the mortgage. And this is where we come in.

If you’ve found your next house, or even if you just want to know how much you can afford to borrow before you start looking, it’s well worth having a chat with us at the start. We can help you work out all the costs involved, including your legal costs, so you know exactly where you stand on day 1.

The process is straightforward too. We’ll complete a Fact-Finding Questionnaire with you where we’ll gather all the information we need to be able to give you real, helpful advice. Using this information, we’ll then find you the best possible mortgage. It may even involve moving your current mortgage to the new house – but don’t worry – we can do that for you too.

In some cases, you may need to borrow more than you already owe, so your adviser will do a full affordability assessment with you to make sure you qualify, and that you understand everything before committing to anything.

Then, it’s over to us to secure the mortgage. We’ll do this by working with the lender directly, including arranging the valuation on the new property for you. Once the offer is issued by the lender, your solicitor will take over and arrange the sale of your current home and the purchase of your new one – usually on the same day. Clever!

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your employment, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to buy. It’s all confidential and will form the basis of any application we may make on your behalf.

Finding your perfect mortgage

Once we’ve gathered all the information, we’ll find and recommend to you the perfect mortgage. Before we even tell you about it, your adviser will have checked the lenders criteria to make sure you qualify for it. We won’t ever suggest a mortgage that isn’t suitable.

In some cases, it may be better to move (or “port” as it’s called) your current mortgage to the new property. We can do this for you, as well as arrange any additional funds you may need.

Submitting your application

Once we have worked through your information and matched you to a lender, we’ll then be sure to talk you through what is happening – after all, our job is to advise you, not just do the paperwork. When you are happy with what your adviser recommends, and they’re happy you’ve understood everything you need to know, we’ll submit the application for you. To do this we will need to collect some documents to prove to the bank what we’re telling them. It can vary from lender to lender, but typically this will include a proof of ID and address for each person applying, proof of your income such as payslips or tax returns*, and finally copies of your bank statements so a full assessment of your expenditure can be done.

For more detail on the exact information we need, you can download our full list here. And to keep you safe, you can upload your documents securely via our website here.

Completing your new home purchase

Much like when you bought your current home, you’ll need a solicitor to do the necessary legal work to make sure the house is bought properly and safely. We’ll make sure your solicitor has the correct mortgage offer and monitor the whole process for you as well.

Remember – you’ll need to make sure you have adequate Buildings Insurance in place. Your adviser will talk about this with you and provide a quote for you from our partners at Legal & General.

There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form to make the first step towards your remortgage.

I Have Bad Credit

That’s ok. Not everything in life always goes to plan, and sometimes it’s easy to fall behind on payments to either credit cards or loans. Sometimes, we can even end up with negative events on our credit file due to things beyond our control, such as CCJ’s that have been applied to us when a business has failed. The good news is that there are more and more lenders who will now consider lending money to you to buy your house, even though you’ve not got a perfect credit score.

Understanding how your credit works is important. You may already monitor your score on one of the free credit score websites. But it’s important to know that mortgage lenders look at far more than your score. A potential mortgage lender will consider the information on your full credit report, which includes details of your payment history on your credit accounts. They’ll also look at things such as how close and how often you reach your limit on your credit cards or over draft.

The three main credit porting agencies that lenders use are Experian, Equifax, and Credit Karma. If you haven’t already, you can sign up to these for a free trial period to see your full report. But be warned, after the trial period, some of these websites may charge.

If you think you have bad credit, the first thing we’ll do is review your credit report. Once we have that information, we’ll know everything we need to about your credit story and be able to place you with the ideal lender. But alongside that, we’ll also spend time education and helping you to improve your credit score, helping you build a healthier financial life.

Having bad credit doesn’t mean you shouldn’t be able to own your home. It may mean that for a while you’ll have to pay slightly more on the mortgage as lenders who specialise in this area often have higher interest rates, but our advisers will work on a plan for you to get you placed with a mainstream lender as soon as possible.

How do I get a mortgage when I have bad credit?

Having bad credit doesn’t mean you shouldn’t be able to own your home. It may mean that for a while you’ll have to pay slightly more on the mortgage as lenders who specialise in this area often have higher interest rates, but our advisers will work on a plan for you to get you placed with a mainstream lender as soon as possible.

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your employment, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to.

Understanding the issues

If you are aware that you have had issues with credit in the past, we recommend downloading your credit report before we have this conversation. You can see your full credit report, for free, by visiting various websites such as www.creditkarma.co.uk. However, most lenders in the UK refer to Experian. Currently, it’s free to see your score, however, to get your full report you will have to sign up to the website. It’s free for a period of time but will then charge a monthly subscription. Make sure you read any small print before signing up to a credit website. To view your Experian report, please visit their website www.experian.co.uk.

Why would we ask you to do this? Simply put, we need to understand not only what caused your credit issues, but also the dates they happened, and the amounts they were for. Some lenders will want to see things such as CCJs and Defaults satisfied for a period of time before they’ll consider lending to you. Other lenders may not ask for them to be cleared but will want to know the dates that the issues occurred. Your credit file will give your adviser the best and most accurate information to help them find you the most suitable mortgage.

Finding you the right lender

Once we have understood your situation and what you want to achieve, we’ll set off finding you the best and most affordable mortgage among the lenders who will be happy to lend to you. It’s worth noting though, that a we may place you with a lender that you’ve not heard of before. Many of the bigger lenders and high street names you know of won’t lend to people with credit issues. But don’t worry, all the lenders we work with are approved by the Financial Conduct Authority and follow strict guidelines. We won’t place you with a lender who isn’t safe or reputable.

The rate of interest that applies to your mortgage may be higher as well. This is common for lenders who work in this area. But it’s ok. We’ll work out the shortest amount of time you need to be with the lender before we look to move you to a better one with cheaper rates. It may just be the initial two years that you have to have the higher rate for – or even shorter if possible.

Submitting your application

Now we have the right mortgage, and we’ve explained everything you’ll need to know – after all, our job is to advise you, not just do the paperwork, we’ll submit the application for you. To do this will need to collect some documents to prove to the bank what we’re telling them. It can vary from lender to lender, but typically this will include a proof of ID and address for each person applying, proof of your income such as payslips, and finally copies of your bank statements so a full assessment of your expenditure can be done.

For more detail on the exact information we need, you can download our full list here. And to keep you safe, you can upload your documents securely via our website here.

 

Completing your new mortgage

Whenever you complete a mortgage (start the new loan) to either buy your home or remortgage a current deal, you’ll need a solicitor to do the necessary legal work to make sure the house is bought properly and safely. We’ll make sure your solicitor has the correct mortgage offer and monitor the whole process for you as well.

Remember – you’ll need to make sure you have adequate Buildings Insurance in place. Your adviser will talk about this with you and provide a quote for you from our partners at Legal & General.

There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form to make the first step towards your brand new home.

I’m Self Employed

Around 4.8 million people in the UK are self-employed. This means you either work for yourself directly and are what we would call a “sole-trader,” or you might operate under a Limited Company as a director. In both situations, a mortgage lender will consider you to be self-employed, and therefore for the way they evaluate your income will be different.

With most employed people, the lender will want to see copies of their payslips, or P60’s. But being self-employed, it’s likely that you won’t have these documents. So how do we evidence your income?

Sole Trader: If you’re a sole trader, each year you’ll be required to complete a tax return and send it to HMRC. It’s sometimes called a “self-assessment” or by it’s old form name – an SA302. It covers the period from 5th April to the 4th April the following year, commonly known as the Financial Year. The deadline to complete a tax return is the 31st January following the April before. Your tax return will produce two key documents – a Computation and an Overview. Together, these documents will evidence what you’ve earned in the previous tax year.

Company Director: Many people choose to run their business through a Limited Company, where the legal status of the business is recognised by the government separately from the person who runs it. If you own a company like this, then as far as the lenders are concerned, you are self-employed. (There are occasions where if you own less than 20% of the company, you may be able to apply for a mortgage as someone who is employed. Your adviser will discuss this in more detail with you).

As a company owner/director, you can evidence your income in one of two ways. Either through your tax return, the same as a sole trader might, or through the company’s accounts, which will show your salary and any other money you have received, such as a dividend. Commonly, if you apply for a mortgage and you are a self-employed company director, the lender will look at your share of the net profits (that’s the money left after the tax is paid), plus any salary you have taken.

It can be confusing, but our advisers are experts in helping people understand how much they can borrow based upon their self-employed income. Different lenders use different calculations and your adviser will know which lenders to speak to so you can make the most of your borrowing.​

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your business and how you pay yourself, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to buy. It’s all confidential and will form the basis of any application we may make on your behalf.

Finding you the perfect mortgage

Once we’ve gathered all the information, we’ll find and recommend to you the perfect mortgage. Before we even tell you about it, your adviser will have checked the lenders criteria to make sure you qualify for it. We won’t ever suggest a mortgage that isn’t suitable.

Submitting your application

Once we’ve worked through your information and matched you to a lender, we’ll then be sure to talk you through what is happening – after all, our job is to advise you, not just do the paperwork. When you’re happy with what your adviser recommends, and they’re happy you’ve understood everything you need to know, we’ll submit the application for you. To do this will need to collect some documents to prove to the bank what we’re telling them. It can vary from lender to lender, but typically this will include a proof of ID and address for each person applying, proof of your income such as tax returns or company accounts, and finally copies of your bank statements so a full assessment of your expenditure can be done.

For more detail on the exact information we need, you can download our full list here. And to keep you safe, you can upload your documents securely via our website here.

Top TipProving your income when your self-employed can be tricky. We will typically ask you for your last 3 years Tax Computations and their corresponding Tax Overviews. Your adviser will explain more about these when they speak to you. If you have an accountant, it’s worth discussing your plans with them as they can help you present your earnings too. In a lot of cases, we deal directly with your accountant to get the information we need at no extra cost.

Completing your new mortgage

Whenever you complete a mortgage (start the new loan) to either buy your home or remortgage a current deal, you’ll need a solicitor to do the necessary legal work to make sure the house is bought properly and safely. We’ll make sure your solicitor has the correct mortgage offer and monitor the whole process for you as well.

Remember – you’ll need to make sure you have adequate Buildings Insurance in place. Your adviser will talk about this with you and provide a quote for you from our partners at Legal & General.

There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form to make the first step towards your brand new home.

I’m Remortgaging

Remortgaging is the process of moving your mortgage from one lender to another, usually with the aim of looking for a better deal than the one you might be on. We do this for hundreds of people a year and have saved our customers thousands of pounds.

As you already own the house, the process is typically very quick, with some cases moving from application to completion within a matter of days.

First, we’ll complete our Fact Finding Questionnaire to establish all the details about you and your circumstances. Then, we’ll match you to a lender and a deal that often you won’t be able to get directly from a bank or building society. We’ll also arrange additional lending for you if you need it, possibly for home improvements or debt consolidation.

Once you’re happy with our recommendation, we’ll submit the application on your behalf and work with the bank and solicitors to get the transaction completed as quick as possible. Simple!

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your employment, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to buy. It’s all confidential and will form the basis of any application we may make on your behalf.

Additional lending

There’s lots of reasons you may want to borrow more money when you remortgage your house. It might be the perfect time to finish the garden, extend the kitchen or bedrooms, or even pay off some loans and credit cards to reduce your monthly outgoings. Whatever the reason, we can help. However, we will need information to support this extra borrowing. Some lenders will want to see estimates of the building work you’re having done, or maybe ask you to sign a commitment that you will use the money to repay your debts. Whichever lender we recommend though, your adviser will make sure to collect all the information we need from you beforehand.

Finding you the perfect mortgage

Once we’ve gathered all the information, we’ll find and recommend to you the perfect mortgage. Before we even tell you about it, your adviser will have checked the lenders criteria to make sure you qualify for it. We won’t ever suggest a mortgage that isn’t suitable.

Submitting your application

When you’re happy with what your adviser recommends, and they’re happy you’ve understood everything you need to know, we’ll submit the application for you. To do this will need to collect some documents to prove to the bank what we’re telling them. It can vary from lender to lender, but typically this will include a proof of ID and address for each person applying, proof of your income such as payslips, tax returns or company accounts, and finally copies of your bank statements so a full assessment of your expenditure can be done.

For more detail on the exact information we need, you can download our full list here. And to keep you safe, you can upload your documents securely via our website here.

Completing your new mortgage

Even when remortgaging, you’ll still need a solicitor to do the necessary legal work to make sure the loan is completed properly and safely. We’ll make sure your solicitor has the correct mortgage offer and monitor the whole process for you as well. The good news is, this is often a lot cheaper when remortgaging, and some lenders even pay the cost of it for you.

Remember – you’ll need to make sure you have adequate Buildings Insurance in place. Your adviser will talk about this with you and provide a quote for you from our partners at Legal & General.

There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form to make the first step towards your remortgage.

I’m Buying To Let

Buying an additional property is a great way to invest in your future, and each year, we help lots of clients build their property portfolio.

Taking a Buy To Let mortgage is a little different to buying a home that you’ll live in. Typically, the amount you can borrow isn’t based upon your income, but the actual rental income the property will achieve. On average, you’ll also need a deposit of at least 25% of the purchase price.

However, as we’ll be arranging for you to borrow a large sum of money, we’ll make sure you get all the right advice in the same way we would if you were buying your home.

We’ll complete a confidential Fact-Finding Questionnaire, match you to the ideal lender and make sure they’ll be happy to lend prior to submitting a full application. Then we’ll manage the whole thing for you, from the gathering of any required documents, right up until you pick up the keys. That includes the underwriting and the valuation of the property.

When buying a property to rent, we also highly recommend speaking to an accountant. You’ll have to factor in the rental income into your tax situation, and often this requires expert advice.

It is also possible to purchase your properties through a Limited Company that you can establish to own the property. We deal with these transactions regularly and are experts in this area.

Fact Finding Questionnaire

This is a form that we complete either with you in person, over the phone, or in some cases you can even do it yourself online – it really depends on whatever suits you best. The form helps us gather all the information about you that we need so that we can give you the right advice. It covers information such as names and address history, details around your employment, income and expenditure, family members who may rely on you financially, and details of the property you’re looking to buy. It’s all confidential and will form the basis of any application we may make on your behalf.

Buying through a limited company

You may have decided to buy your house through a Ltd company specifically set up to buy houses through – called a Special Purpose Vehicle (or an SPV). If you’ve done this, we’ll need to know details about the company, such as its name, registered address, who the directors are, and the bank account details. All these will have to match.

Every Ltd company in the UK has a Section Industry Code (or SIC as it’s referred to). Lenders will require your company to have one of a specific list of codes. Speak to your adviser about this. If it hasn’t got the right code, that’s ok – it’s quick and easy to change.

Finding you the perfect mortgage

Once we’ve gathered all the information, we’ll find and recommend to you the perfect mortgage. Before we even tell you about it, your adviser will have checked the lenders criteria to make sure you qualify for it. We won’t ever suggest a mortgage that isn’t suitable.

Completing your new mortgage

Whenever you complete a mortgage (start the new loan) to either buy your home or remortgage a current deal, you’ll need a solicitor to do the necessary legal work to make sure the house is bought properly and safely. We’ll make sure your solicitor has the correct mortgage offer and monitor the whole process for you as well.

Remember – you’ll need to make sure you have adequate Buildings Insurance in place. Your adviser will talk about this with you and provide a quote for you from our partners at Legal & General.

There are some things you’ll need to remember to do though, so we’ve put together a check list for you to download here to make sure you’ve got everything covered.

Use our simple form and we’ll find you the perfect mortgage for your investment property.

Protection

When taking out a mortgage, you’ll often be borrowing up to four and a half times your annual salary, possibly even more. So when it comes to making sure you can always afford your home, and your loved ones always have a roof over their head should the worst happen, as part of our advice process we’ll always make sure that you understand the right insurances you’ll need.

Life Insurance

You may already have Life Insurance, and this is the most common type of protection taken out when someone buys a home. Life Insurance makes sure that if you die, a lump of money can be paid to your estate so that whoever needs to repay the mortgage has the money to do so, and can keep the house.

Income and Critical Illness cover

However, it is more likely that you’ll either lose your job due to incapacity and sickness, or be diagnosed with a severe illness before the end of the mortgage. It might sound a little glum to think like this, but our advisers are here to make sure your home is safe. So, to cover you in the event of such things happening, we can also insure your health and your income, so that no matter what happens, your home remains your home.

This is an important part of the house buying process and will be part of any conversation you have with our advisers.

This is an important part of the house buying process and will be part of any conversation you have with our advisers.

Secured Loans

What if a mortgage isn’t right for me?

In some cases, taking out a “traditional” mortgage may not be the best product to suit your needs. You may need to borrow more money but your existing mortgage lender will charge you if you move your mortgage elsewhere. It may be that you want to borrow for reasons that your mortgage lender won’t allow. But don’t worry – there is another option. You may qualify to take out a secured loan.

What are my options?

A secured loan (or 2nd Charge as it’s sometimes called) is where a lender other than your mortgage lender will lend you the money you need based upon the amount of available equity in your house, and your affordability based upon your income. This means that a lender has some security behind the money they lend to you and so may be more willing to provide a loan, especially if there are complicating factors such as bad credit.

What can I use a secured loan for?

A secured loan can be used for a variety of purposes including home improvements, debt consolidation, and large purchases, however the choice is up to you. You may even use it to raise money for your business or pay a tax bill. Taking out a secured loan requires specialist advice. And because your safety matters to us as much as getting you a good deal, we have partnered up with the  experts at loanswarehouse.co.uk to bring you excellent choice, qualified advice, and supreme customer service.

You can obtain a quote immediately by clicking below, and if you like what you see, one of their qualified advisers will call you at a time that suits you to answer all your questions.

Disclaimer – by proceeding you will leave mysimplemortgage.co.uk and will be re-directed to a 3rd party website. My Simple Mortgage will not be responsible for any advice or products sold by loanswarehouse.co.uk. We may receive a fee or commission for making this introduction.

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Other Services

What if a mortgage isn’t right for me?

But what if a mortgage isn’t right for you? You may well have found your way to our website as you need some money to do things in connection with your home, but a mortgage just isn’t right.

We have access to a whole range of other finance projects such as Bridging Finance for complicated building projects, Equity Release for those aged over 55 who want to enjoy use some of the equity in their house to improve their lifestyles, and Second Charging, as a way to release equity from your home without remortgaging.

Get in touch today, and we’ll make sure you get the right advice, and the right finance for what you need.