Obtaining a mortgage can be a complicated matter, especially if you are looking for a specialist mortgage such as a self-employed mortgage, self-build mortgage or a bridging loan.
These type of mortgages are inherently more complicated and can be very time consuming.
Buy to let property may be part of your Financial Plan and investment strategy for the future. If it is then talk to our advisers about getting the right mortgage for your potential investment property. And getting the best mortgage will be an important part of maximizing the return on your buy to let investment.
The same mortgage options are available to buy to let borrowers as other borrowers and in the same way it is important to ensure that you are getting the right product for your needs.
Speak with our specialist buy to let mortgage advisers who will search thousands of mortgage deals available to TFA. Our advisers have access to mortgage products which are not available to the public on the high street or the internet and one of these might be the right one for you.
Our advisers will fully assess your circumstances and match these with the best products available. They will discuss with you how to protect both you and your property against unforeseen circumstances and will manage your mortgage application from start to finish for you.
Why not watch these videos from the Money Advice Service which will explain the basics. Our advisers will discuss your mortgage requirements in detail.
Buy-to-let mortgage guide
Financial responsibilities if your rent out
Self-build mortgages as you might expect operate differently from traditional house purchase mortgages. Typically lenders will not provide all the funds you need upfront, rather they will make staged payments to fund the construction.
Self-build mortgages are inherently more risky for the lender and they will frequently require higher deposit levels than a traditional house purchase.
If you have decided to build your own home and require a self-build mortgage our independent advisers at TFA can take you through each step of the process to help you secure the funding to build your dream home.
The rules for self-employed borrowers are different from those who are not. Whilst self-employed borrowers have access to the same range/type of products as anyone else they will be required to provide different evidence to lenders in order to secure the mortgage.
If you are self-employed no matter whether you are looking for a first time mortgage, remortgage or are moving home our independent financial advisers at TFA will be able to help you through the challenges of securing a self-employed mortgage.
A bridging loan is a short term loan designed to provide you the funds to buy a new property before you have sold your existing home.
Bridging loans can be expensive and our independent mortgage advisers can help you through the process ensuring that you get the right loan for your needs, whilst also completing the application for you.
Second Charge mortgages are a secured loan where the borrowers home is used as security. They are often referred to as second mortgages as they have a secondary priority behind your main mortgage.
There are many factors you need to consider before applying or taking a Second Charge and our independent mortgage advisers will explain these to you and take you through the application process if it is decided that this is the best route for you.