FIRST TIME BUYERS
Being a First Time Buyer can be a very exciting time, yet it can also be daunting and at times a little overwhelming. How much deposit do I need? How much can I borrow? Which deal is right for me? How much will it cost? These are just a few of the questions we are sure you are asking.
Here at M V Mortgage Solutions, we understand that there is a lot for you to think about and that’s why we pride ourselves on being able to guide you through every step of the house buying process and make everything as clear as possible for you. This is likely to be the biggest financial commitment you have and will ever make so it is important that we help you get it right the first time.
There are a number of schemes available to first time buyers, helping those who are struggling to get onto the property ladder. To learn more about some of the types of schemes available please pick up the phone to our friendly advisers who can tell you more.
MOVING HOME
Having purchased your first home, you may now be ready to take the next steps on the property ladder and move to a new home, whilst, you may be more experienced this time around, there is still a lot to consider.
Here at M V Mortgage Solutions, we understand that moving home is an exciting time for you, yet it can also feel very stressful and a busy time- we aim to take as much stress as possible away and guide you through the process from the start, to the day you get your keys, we understand that it’s not a mortgage you want but a home and our friendly advisers will be on hand to support you in knowing how much you can borrow so that you can make your offer of purchase, we work alongside, estate agents, mortgage lenders and solicitors to make the process as hassle-free as possible for you, leaving you to focus on packing those boxes and planning on where everything will go in your new home.
REMORTGAGING
There are a number of reasons why you may need to remortgage your property, whether you are coming to the end of your current deal, want to consolidate some debts with your mortgage, looking to release some equity for home improvements, or any other project or just want to see if you can find a better deal, M V Mortgage Solutions can advise you on the right options for you.
If you are currently tied into a rate with your existing lender, we recommend that you get in touch three to six months before your deal ends to avoid having to pay a higher rate on your mortgage.
SHARED OWNERSHIP SCHEME
This is a scheme offered by the government which aims to help first-time buyers or those struggling to get on the property ladder. Our Mortgage Advisors can help you whether you are looking to make your first home purchase or looking to increase the share you currently own.
NEW BUILD
If you are interested in purchasing a new build property there may be a few extra points to consider whether you are a first-time buyer or moving up the ladder. Our experienced mortgage advisors can take you through the full process and recommend the right lender for you. Builders may steer you towards using a mortgage adviser they work alongside however we always recommend seeking independent advice before you commit to anything.
ADVERSE CREDIT
Having a troubled credit history can make obtaining a mortgage difficult, not all lenders will consider lending to people who have a poor credit rating. The important thing is to have a full understanding of your credit profile and we can help you to do this. M V Mortgage Solutions are very experienced mortgage brokers and have access to the whole mortgage market. This means we can offer you unbiased advice on what options are available to you and guidance on how to improve your credit rating for the future. No matter how big or small you think the problem is we are sure we can guide you in the right direction.
SELF-EMPLOYED
Obtaining a mortgage when you are self-employed can feel very overwhelming, here at M V Mortgage solutions we specialise in helping self-employed clients to secure the best mortgage for them and have the experience to know what lenders will need to see to be able to assess the amount you can borrow, whether you are a sole trader, partnership or ltd company, you can rely on us to find the most suitable option for you.
BUY TO LET
Investing in property remains a very appealing investment strategy for many, despite various regulatory and tax changes to hit this sector. As the area continues to change it has never been more important to get the right advice and support in this area.
We can assist you with standard buy to let purchases to the more complex HMO or purchasing via an Ltd company.
It is recommended that you take advice from a tax specialist, prior to purchasing any investment property to ensure you are fully aware of the potential tax implications owning more than one property may have on your individual circumstances.