Mortgages and Remortgages

Credit Problems and Solutions

Please note that, even if you have had problems in the past, it may still be possible to obtain a mortgage for you. Many lenders will consider your application even if you have been declined or have credit problems like County Court Judgements or mortgage arrears with your current lender.
The overall rate for comparison is 8.5% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration.
If you are unsure about the extent of your problems, you can obtain a copy of your credit file at the following http://www.mycallcredit.com/ http://www.equifax.co.uk/ or you can obtain a free copy of your file at http://www.uk.experian.com/
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Buy to Let and Let to Buy Mortgages

Buy to Let and Let to Buy are part of a rapidly expanding sector of the mortgage market. Buy to let mortgages, otherwise known as investment mortgages, are used to purchase a property for letting. Let to Buy is where you mortgage your existing property with a buy to let mortgage and then purchase another residential property. Typically, you may borrow up to 85-90% of the purchase or valuation of the property. Often the amount that you may borrow is assessed on rental income rather than your occupational income, although some lenders assess on both.
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Right to Buy Mortgages

The Right to Buy scheme has helped almost 1.6 million council tenants in England buy their own homes since the 1980s. Right to buy mortgages have helped many of them do this.
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Self Build Mortgages

Self build mortgages were originally developed for building new property but are now also available for refurbishment. The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount.
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Shared Ownership Mortgages

If you would like to own your own home, but cannot afford to buy on the open market, shared ownership could be for you. You will have sole occupancy rights - you do not have to share your home with anyone else.

Shared ownership allows you to buy a share of a property (usually 50 per cent) from a housing association and pay rent for the remainder. Your monthly outgoings will include repayments on any mortgage you take out, plus rent on the part of the property retained by the housing association.

Later, when you can afford it, you can increase your share until you own the whole property. The purchase of further shares is based on the current market value of the property, whether it has gone up or down.
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