Mortgage Specialists
Mortgages
Best4loans.co.uk are specialists in mortgages. We are able to provide an array of different mortgage products in order to suit your every need. A fixed rate mortgage holds the interest rate of your mortgage for a period of time. Once the fixed-rate period of the mortgage has ended you will usually be required to pay the lender's standard variable rate. You can re-mortgage with a new lender at this point in order to source a more favourable rate to suit your requirements. These mortgages have no early repayment charges to pay once the fixed-rate period has ended.
A capped-rate mortgage requires you pay the standard variable rate with a defined upper limit in the form of the cap. Your interest rate is guaranteed not to rise above this level for the period the cap is in place. This has an obvious advantage during times of high interest rates. However there may be a charge for early repayment of this type of product which would prove a disadvantage if you would like to remortgage when a better deal becomes available to you elsewhere.
MORTGAGES 0800 071 9888
With variable rate mortgages, Lenders set a standard variable mortgage rate. This will fluctuate in line with economic conditions. Generally there will be more attractive interest rate options available, but standard variable mortgage rates do not tend to carry any restrictive clauses.
Only a few years ago people would buy a house, and stick with the same mortgage for 25 years. Now people quite rightly want to frequently change their mortgage to ensure they are getting the best available deal.
MORTGAGES 0800 071 9888
In many cases we have access to exclusive deals which will not be available direct to the public. As experienced mortgage and remortgage advisors we deal with a large variety of different clients, as such we are extremely well positioned to deal with the more unusual situations which require a greater knowledge of the market. We constantly deal with situations including Large Loans, Buy-to-let, Let-to-buy, The Self Employed, Contractors and Poor Credit ratings amongst others.
How much can you borrow?
A loan of 3.5 x income is readily available for a mortgage. If there is a second applicant then the lender will add 1x the second applicant's income or multiply the two incomes added together by 2.75, if this is greater.
Normally, 50% of overtime or bonuses can be included with basic salary to obtain a mortgage. Not all lenders use this formula; some will go a little higher while others, go a little lower. If you require more than this then it may be possible to use a self certified mortgage. This is ideal for self employed people who cannot readily provide details of their income.
The mortgage lender may then take into account loan to value of the mortgage. This is the size of the proposed mortgage taken into relation to the whole value of the property.
MORTGAGES 0800 071 9888
We specialise in helping people who find it difficult to obtain a mortgage or loan. You could be self employed and can't prove your income, have CCJs, defaults or mortgage arrears. It’s not a problem.
Rather than rattle on about the mortgage options and the benefits of Repayment Mortgages verses Interest Only Mortgages and the various types of Fixed Rate, Capped Rate, Discounted Rate, Variable Rate or Cashback Mortgages Click here with details of your lending requirements and we can assign a certified and experienced lender to you to provide you with a wealth of advise over the phone.
Just contact us and we'll find the best mortgage deal for you within minutes bringing what can often be a stressful time to a quick and successful conclusion. We are completely independent and have access to every lender and product on the market. So we know our specialist advisers can provide you with the mortgage that best suits your needs!!
The value of one to one advice from a friendly, qualified individual is all too often undervalued in today's fast paced environment. At best4loans.co.uk we pride ourselves on service and we ensure that a single member of our team deals with your enquiries quickly and efficiently. Subsequent queries will also be referred to the same individual so that you can feel confident that the person knows the full details of your situation without having to go over it again and again!
Today’s society is moving towards one of a constant changing range of mortgage deals. This enables the consumer to benefit from the best available mortgage deals out there to suit their needs, whereas in previous years a persons mortgage deal would stay with them for the full 25 year period without changing.
best4loans.co.uk are able to source many different mortgage and remortgage solutions form a whole range of people including people looking to release equity by means of a moving their mortgage, home movers, first time buyers, and also people looking to buy to let.
MORTGAGES 0800 071 9888
Best4loans.co.uk are truly independent unlike many of our competitors and deal with a large range of mortgage and remortgage providers. We have access to exclusive deals in many cases which are not available direct to the public. Our qualified and experienced mortgage and remortgage advisors are able to take into account a large variety of different circumstances and as such we are extremely capable to deal with the more unusual situations which require a vast knowledge of the market. We constantly deal with situations including Poor Credit ratings, Buy-to-let, The Self Employed, Let-to-buy, Contractors and Large Loans amongst others.
How much can you borrow?
Single applicants can borrow up to 3.5 x income for a mortgage and if the application is joint then the lender will add 1x the second applicant's income or multiply the two incomes added together by 2.75, if this is greater.
Normally, 50% of overtime or bonuses can be included with basic salary to obtain a mortgage. Not all lenders use this formula; some will go a little higher while others, go a little lower.
A self certified mortgage can be sought by those who are unable to provide proof of their income such a those who are self employed. The mortgage lender may then take into account loan to value of the mortgage or LTV. The lender will take into account the size of the proposed mortgage in relation to the full value of the property.
MORTGAGES 0800 071 9888
best4loans.co.uk are specialists in aiding those who find it difficult to obtain a loan or mortgage. We find it no problem to help those who are self employed and cannot prove their income or have CCJs, defaults or mortgage arrears. Such as benefits of Repayment Mortgages verses Interest Only Mortgages and the various types of Fixed Rate, Capped Rate, Discounted Rate, Variable Rate or Cash back Mortgages Click here with details of your lending requirements and we can assign a certified and experienced lender to you to provide you with a wealth of advise over the phone.
Contact us now for your best possible mortgage deal within minutes!
Best4loans are completely independent with access to all lenders and their products. Our specialist advisers are on hand now to source the mortgage that best suits your needs!! The value of one to one advice from a friendly, qualified individual is all too often undervalued in today's fast paced environment. At best4loans.co.uk we pride ourselves on service and we ensure that a single member of our team deals with your enquiries quickly and efficiently. Subsequent queries will also be referred to the same individual so that you can feel confident that the person knows the full details of your situation without having to go over it again and again!
People are now frequently changing their mortgage to benefit from the best deal on the market rather than living in the previous culture of sticking with their mortgage for the full 25 year period.
We at best4loans.co.uk are able aid an array of people with different circumstances in securing the best mortgage deals that suit their needs. We stand out from many other brokers as we are completely independent and deal with a full range of mortgage and remortgage providers.
Best4loans qualified mortgage and remortgage advisors are in many cases able to source exclusive mortgage deals that would otherwise not be available directly to the public. We specialise in clients who have individual requirements and are wanting the mortgage for, for example, Large Loans, Buy-to-let, Let-to-buy, The Self Employed, Contractors and Poor Credit ratings amongst others.
How much can you borrow?
For a single applicant mortgage 3.5 x income and in situations of a joint application the second applicants income is added at 1x or multiply the two incomes added together by 2.75, (which ever is a larger amount).
Normally, 50% of overtime or bonuses can be included with basic salary to obtain a mortgage. Not all lenders use this formula; some will go a little higher while others, go a little lower. If you require more than this then it may be possible to use a self certified mortgage. This is ideal for self employed people who cannot readily provide details of their income.
The loan to value of the mortgage will be considered by the mortgage lender when sourcing the best product and calculating the loan amount. LTV considers the size of the desired mortgage taking into relation to the whole value of the property.
MORTGAGES 0800 071 9888
If you are self-employed, have CCJ's or can't prove your income do not despair! Best4loans specialise in helping people helping those who have difficulties in obtaining a mortgage or loan.
Instead of boring you with all of the mortgage options with the benefits of Repayment Mortgages verses Interest Only Mortgages and the different types of Fixed Rate, Capped Rate, Discounted Rate, Variable Rate or Cashback Mortgages Click here with details of your lending requirements and we can assign a certified and experienced lender to you to provide you with a wealth of advise over the phone.
Contact best4loans.co.uk now! We will find the best mortgage deal for you within minute!
We are completely independent and have access to every lender and product on the market. So we know our specialist advisers can provide you with the mortgage that best suits your needs!!
In appointing best4loans you can feel assured that you will have your very own mortgage advisor to guide you throughout the whole process. We like to ensure that this process is as efficient as possible to complete the loan for you as quickly as possible.
It is no longer necessary to stay with the same mortgage for the full 25 year period as it has been in the not so distant past. It is now possible to frequently change your mortgage to suit your changing needs and allow you to benefit from the best deals.
We are able to offer a full range of mortgage and remortgage deals for home movers, first time buyers, people looking to buy to let and people looking to release equity by means of a moving their mortgage.
Best4loans.co.uk are able to offer a complete range of mortgage and remortgage providers as we are truly independent and deal with the, unlike many of our competitors. Best4loans are extremely well positioned to deal with the less common situations which require a larger knowledge of the mortgage market and we constantly deal with situations including Large Loans, Buy-to-let, Let-to-buy, The Self Employed, Contractors and Poor Credit ratings amongst others.
How much can you borrow?
For a mortgage 3.5 x income is readily available and in joint applications the lender will add 1x the second applicant's income or multiply the two incomes added together by 2.75, if this is greater.
50% of overtime or bonuses can usually be included with with basic salary in obtaining a mortgage. However not all lenders will use this formula, it may differ as a little higher or a little lower. If you are requiring more than this amount it may be possible to gain a self certified mortgage which is ideal for the self employed and who cannot readily provide details of their income.
Mortgage lenders are likely to take into account the LTV of your mortgage. This is the size your required mortgage in comparison to the full property value. If you cannot prove your income or you have CCJs, defaults or even mortgage arrears we at best4loans will not be phased by this. It’s not a problem! Click here to make an online application.
MORTGAGES 0800 071 9888
Contact best4loans and we will endeavour to source the best mortgage deal for you. Best4loans will turn a stressful situation into a successful result within minutes.
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