YOUR LIFE – YOUR MONEY

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We know how important getting the right mortgage advice and the right mortgage is for our clients.

 

 

 

Whether you are a first time buyer, a home mover, downsizing or upsizing, or just looking to secure a better mortgage deal we will research the most suitable mortgage scheme for you. 

We understand that whilst your home is your castle to live in and a welcoming place to entertain your friends and family it is probably your biggest financial commitment.

Thinking of buying a holiday home?

Many of our clients have bought holiday homes and holiday lets using our special mortgage schemes.

For holiday let mortgages the lenders don’t require any accounts from the current owners as they calculate maximum mortgage amounts based on the potential rental income figures.

We also advise on retirement mortgage schemes for clients over 55 who may wish to borrow past their planned retirement age.  Some of our clients who are already retired are eligible for a retirement mortgage as their existing mortgage has come to the end of its overall mortgage term and the existing lender won’t extend it.  These schemes can be taken out on an interest only basis with an open ended term of years, with the mortgage being repaid when the property is eventually sold.

We have buy to let mortgage schemes for houses, flats, HMO’s, student lets and multi-lets for personal and limited company applicants. 

As Independent Financial Advisers Yates & Co are authorised and regulated to advise clients regarding First Mortgages and Second Charge Lending:-

Second charge lending is a secured loan, sometimes known as a secured homeowner loan, which allows you to borrow a lump sum of money which is secured against your property.  The loan is secured by the lending by way of a ‘second charge’, which ranks behind your main mortgage (which is held on a ‘first charge’ basis). 

Second charge loans are available for residential or buy to let and are ideal for clients looking for an alternative to a remortgage, consolidate debt or complete home improvements.  If you are a landlord a buy to let second charge loan can also help you to raise capital.  You can choose to take out a loan secured on either your residential or buy to let property.

When you choose to become one of our clients, we will work with you to find a mortgage scheme that is right for your own needs. 

We will provide written advice and keep you involved as we move through the mortgage application process with you.

Our first meeting is free of charge, with no obligation.

At this meeting we will discuss your circumstances and requirements and discuss ‘options and costs’.  If we believe we can help you, and you feel we are the right firm for you, then you can instruct us to advise you.unbiased-logo-2

 

 

YOUR HOME MAY BE REPOSSESD IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.  There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £795.