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– Compare thousands of mortgages from lenders which include: –
Free Mortgage in Principle
Whether you would like this for your own reassurance, or if your estate agent has requested proof of your ability to finance, we can provide you with a decision in principle free of charge.
ApplyPURCHASE
Whether you are a first time buyer or home mover, we can help you find your perfect mortgage and give you tips on how to shorten the term of your mortgage.
Apply hereREMORTGAGE
Remortgaging is when you change your existing mortgage provider in favour of a new provider. By switching providers you can access lower interest rates and save money.
Apply hereBUY TO LET
Access all buy to let products including those with incentives including free valuations, cash back, low fees and a contribution towards legal costs.
Apply hereStamp Duty
Find out what it means to you.
What is Stamp Duty Land Tax (SDLT)
It is the tax you must pay if you purchase a property or land over a set amount.
SDLT rates do differ depending on whether you are purchasing a residential or second property, and if you are a first time buyer or not.
– Mortgage calculators –
Whether you are saving for your first home or budgeting for your next.
HOW MUCH CAN I BORROW
Find out how much you can borrow based on your equity, deposit, income and outgoings.
How much can I borrow?REPAYMENT CALCULATOR
Find out how much your repayments will be on a repayment basis, interest only, part and part, and over varying terms.
Repayment calculatorRENTAL CALCULATOR
Find out based on yoru expected rental how much you would be able to raise for a mortgage.
Rental calculatorValuations
When you apply for a mortgage, your prospective mortgage lender will require a valuation survey to take place, to ensure the asset they are lending against is of sound quality. Generally there are three different types of survey you can opt for:
MORTGAGE VALUATION
This report is for mortgage purposes and even though you will pay for the report with your chosen provider, you may not receive a copy. It checks the condition of the property and highlights any potential legal and urgent defects.
SUITABLE FORStandard properties in good condition, such as a new build.
COSTBetween £350-£950 depending upon property value.
HOMEBUYER REPORT
Covers everything within the mortgage valuation, along with a report issued to you by the surveyor. It will highlight the condition of the property with details of defects and also include market value and rebuild costs.
SUITABLE FORStandard properties in reasonable condition.
COSTBetween £450-£1,000 depending upon property value
STRUCTURAL SURVEY
The most comprehensive survey you can get. This report will provide thorough details on any defects, provide an in-depth analysis into potential causes, and explain and advise any possible solutions for rectification.
SUITABLE FORLarger homes, and properties of an older age.
COSTBetween £600-£1,000 depending upon property value.