Open & Honest Mortgage Advice in Cheltenham

Perhaps you are a first time buyer in Bristol & Cheltenham, ready to get started on one of the biggest financial commitments you will ever make in your life, needing some guidance on the steps to take. From your first appointment, all the way through to obtaining your keys, our team will make sure you are constantly updated on what’s going on whilst keeping technical jargon as infrequent as possible.

If you are looking for someone to help you on the way to obtaining a mortgage, simply book your free mortgage appointment by utilising our online booking form, or get in touch with a dedicated mortgage advisor in Cheltenham, ahead of your first time buyer mortgage journey.

When you contact a member of our expert team, we will ask you a selection of tailored questions to get a general idea of your financial history. From this, your mortgage advisor will carry out an affordability assessment to see which mortgage products may be available to you, as well as help you obtain an Agreement in Principle for you within 24 hours of your initial appointment.

If you are struggling to save up for the initial deposit on your mortgage, it may be worth looking at using the Help to Buy scheme. Introduced by the government, there are many schemes designed to help prospective first time buyers in Cheltenham in taking their first steps onto the property ladder, such as the Help to Buy Equity Loan, Shared Ownership or Lifetime ISA.

When you are ready to moving home in Bristol & Cheltenham and are looking to obtain a mortgage, you will find that the process is familiar, as you will of course have taken out a mortgage in the past. Even still, new challenges will be present, as you are not only buying, but also selling this time as well.

Having to manage one process can be stressful, without the juggling act of dealing with two at the same time. A trusted mortgage broker in Cheltenham will be able to step in and help you handle your mortgage processes.

There are lots of reasons as to why people look to move home, such as needing a bigger property. If you are in a situation like this, get in touch with a member of our team. We will discuss your affordability and help you to budget for the journey ahead.

Throughout our over two decades and counting in the mortgage industry, we have built strong, long-lasting relationships with many landlord looking forbuy to let mortgage in Bristol & Cheltenham. Our team are on standby, ready to help you out, whether you’re doing this as a first time buyer, first time landlord, or you’re experienced, with a portfolio already.

There are a lot of different buy to let mortgage options out there like a HMO, holiday let, let to buy and much more! Your dedicated mortgage advisor in Cheltenham will be able to run through all of your buy to let options with you, during your free mortgage appointment.

A remortgage occurs when you are nearing the end of your introductory mortgage period. The process involves moving across onto another mortgage product, as a means of preventing you from falling onto your lender’s standard variable rate of interest. We are able to help our customers to search the market for competitive rates and mortgage products.

As well as finding a better mortgage deal, many people will remortgage for different reasons such as to release equity, for any much needed home improvements or to consolidate debt into their mortgage, making their finances more manageable.

You should always seek professional buy to let mortgage in Bristol & Cheltenham before prior to securing any debts against your home.

If you are a self employed mortgage applicant, your process will be no different, with the exception of evidencing income. You’ll need to provide the necessary documents to your mortgage advisor in Cheltenham would advise you to provide.