MORTGAGES

If you’re thinking about buying your first property there is lots to think about, how much can I borrow? How much can I afford to pay each month? How much deposit will I needs? What extras do I need to consider? We will guide you step by step through to whole process in a clear and understandable manner allowing you to feel confident in your decisions from start to finish. We can compare the right deals from wide range of lenders across the UK market as well as some Products that cannot be obtained through the Lender Directly.

Whether you are a first-time buyer or looking to move home we will source the most suitable lender and deal to suit every circumstance from over 40 Mortgage lenders and currently over 2000 products on the market. The precise deal we recommend will be dependant on the deposit available, your credit rating and your affordability.
For further information please contact us.

Our Mortgage is very often our largest monthly expense so it makes sense to ensure we are getting the right deal. If you are on your lenders SVR (Standard Variable Rate) there is a good chance you are paying more than you need to. If your existing fixed term rate is due to expire, now is the time to choose the next direction. As a Comprehensive Mortgage Adviser CSR Financial Services will source the right deals across a wide range of providers to ensure you get the right deal.

This is a specific type of mortgage for those looking to invest in the Rental Property Market. This type of mortgage is not regulated by the Financial Conduct Authority as it is considered a commercial Loan. There is number of lenders available offering a number of products on both a repayment basis or interest only. Most recently, some Landlords are looking to buy property as part of a LTD Co. Whilst these types of products are also available there are fewer on offer and stricter criteria will apply.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

For further information please get in touch.

This type of mortgage is suitable for those looking to purchase land and build there own home either ‘be-spoke’ or as a ‘kit build’ In normal circumstances the lender will provide around 85% of the costs in advance all the way through the build project from the purchase of the land itself to completion over several stages. The Lender and costs will depend on a number of factors not least whether the client is looking to live in the property once completed OR sell the property.

Finance is available for clients looking to finance larger purchases of several properties as a buy to let portfolio. Very often this type of finance is based on the collective value of the portfolio’s Loan to value rather than each individual property which is ideal where some of the induvial units are in negative equity and would not otherwise be suitable for re-financing.