Mortgage Broker in Howden

When you’re taking on the mortgage journey as a first time buyer in Howden, we want to make sure that you get through the process with the least amount of stress possible. The mortgage process, particularly your first experience, can get a little confusing and it can be extremely beneficial to have a helping hand along the way.

As a mortgage in Howden, we help you prepare your whole mortgage application and find you the perfect mortgage product for your first home. Having our help could also save you time and money, which could be just what you need when you consider the costs that come with buying a property.

If you are struggling to begin your first time buyer mortgage journey, perhaps you should consider utilising a government-led scheme to give your application an extra boost. OwnYourHome.gov.uk is where you will find a list detailing these schemes; alternatively, you can reach out to one of our mortgage advisors in Howden and they will be happy to answer your questions.

Moving home can be a stressful experience, and this is because you are buying and selling a home at the same time. We want to take the mortgage side of the process out of your hands and remove all of the stress from moving home in Howden.

Firstly, if you are unable to port your mortgage, you need to find a new mortgage for your new home. This is where we come in! As your mortgage broker in Howden, we can help you find that perfect deal for your new home.

If you are either a current landlord looking to expand your buy to let portfolio or an aspiring landlord looking to make your first buy to let investment, using a mortgage broker in Howden can be extremely beneficial. Remember that you still need to find a competitive mortgage product for your property and prepare your buy to let application.

If you reach out to a mortgage broker in Howden like us, we are able to analyse your personal and financial buy to let situation and work out what sort of mortgage products are best suited to you. You never know, we could manage to save you money on your buy to let mortgage in Howden.

When you are approaching the end of your fixed-rate mortgage term, you need to start thinking about taking out a new mortgage product. If you do not take out a new mortgage deal before your current one expires, you will fall onto your lender’s standard variable rate of interest. This rate will likely increase your monthly repayments.

We can help you find a remortgage product to switch over to before you fall onto your lender’s standard variable rate of interest. Your mortgage advisor in Howden will do this by searching through our panel of buy to let mortgage lenders.

We can also explore alternate remortgage options with you such as remortgaging for home improvements, equity release and debt consolidation.

If you are self employed in Howden, the mortgage process will be similar to other scenarios, with one key difference – the requirement to provide evidence of your income.

Our mortgage advisor in Howden will guide you on the additional documents you need to provide. Just like with other mortgage types, they will conduct an affordability assessment and explore the available deals suitable for you.

In-house, we have a dedicated later-life team to help you through your mortgage journey. Even if you think that it is not possible to get a mortgage at your age, you may be wrong! It is always worth getting a second look at your case and review your options. You can book a free mortgage appointment with a later-life lending expert in Howden today.