100% Mortgages and remortgages

Britain is a nation that has become fixated with house prices and it’s unsurprising that young people are so keen to get started on the housing ladder.

 

However, thanks largely to the rising house prices that make home ownership so appealing, many first time buyers simply can’t afford to get together a deposit of a sufficient size to meet the loan to value requirements on most mortgages.

 

If you are one such borrower then don’t worry because help is at hand. One hundred percent mortgages can usually be offered with many types of mortgage rate options – fixed, capped or discounted rates for example. 100% mortgages can provide a helpful stepping stone to get you started on the property ladder, especially as we have some of the lowest rates around for many years.

 

 

The best advice for you

If you have just started looking for your new home, you may have discovered that your estate agent claims to be a mortgage broker. Bear in mind that an estate agent has an interest in getting the mortgage arranged as quickly as possible, so that the deal can go ahead. This may not mean you are advised to take the best product, and many estate agents are also likely to recommend the products that give them the highest commission.

 

 

No brokers fees to pay

People often think they will have to pay a mortgage brokers fee for arranging their home loan. This couldn’t be further from the truth with us. All of our income comes directly from the companies that we do business with, so there is no need for us to charge a fee. Be very wary of firms that claim to be able to get a mortgage in ‘problem cases’ by paying them fees of 1% or 2% of the amount you borrow.

 

Your advisor has access to all UK mortgage lenders; high street banks and building societies who lend to most applicants, specialist buy to let lenders, lending companies who deal with ‘Self Cert’ business and those that cater for people with a bad credit history.

 

 

How to receive your free mortgage illustration

Experienced, qualified advisors who arrange the best mortgages available handle all enquiries. They have access to every UK mortgage lender offering specialist buy to let products and will only approach the lenders who can offer you the best deal, saving you time and money.

 

To receive your free mortgage illustration, you just need to enter some basic information into one of our online enquiry forms.

 

 

 

Either way there’s no obligation, no credit checks will be performed without your consent and there are no brokers fees to pay. Your advisor will reply within 24 hours with illustrations of the best mortgages available from the whole marketplace.

 

Or if you prefer, you can call a fully trained mortgage advisor on 0845 490 0419. It will only take a few minutes of your time today but could save you thousands of pounds in interest payments and will eliminate any worries you may have about getting the best deal possible.

 

 

Online Enquiry Forms

 

 

 

 

In a Hurry?

If you don’t have time to complete a full enquiry today or are looking for mortgage advice, just complete this short form and we’ll call you back at a time convenient to you.

 

 

 

 

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Please make sure you can afford the repayments before entering into an agreement.

This website is operated by Loans Company, an Introducer Appointed Representative to Orchid Financial (Sheffield) who are authorised and regulated by the Financial Services Authority. Data Protection Registrar Number Z7786809 Consumer Credit License Number 527802

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