HOW CAN WE HELP?

  • BUY TO LET
  • FIRST TIME BUYER
  • MOVING HOME
  • REMORTGAGE
  • SHARED EQUITY & OWNERSHIP
  • SECOND CHARGES

BUY TO LET

This is an area where there have been a number of new lenders entering into the market in the last 12 months. Competition has meant that mortgage products are great value and we expect to see the use of purchasing via a limited company vehicle become more popular in the coming months. We can offer you our expertise with both purchasing and refinancing situations.

Contact us today to find out how we can help.

FIRST TIME BUYER

There are now a wide variety of mortgages available where only a low deposit is required, and 95% mortgages are available for many. There are also schemes such as Help to Buy and also less well known deals that some lenders offer where families can help their children out in a number of different ways.

Contact us today to find out how we can help.

MOVING HOME

Moving home is widely accepted as a fairly stressful experience and we do our best to take the stress away from sorting out the mortgage. With so many short and long term variations in the available deals, and very different lending criteria between the mortgage lenders, we will use our experience and expertise to help find and recommend the deal that suits you the most.

Contact us today to find out how we can help.

RE MORTGAGE

Many people who own houses are being charged the lender’s standard variable rate. You may be able to benefit from both a lower interest rate and also by taking advantage of fixing your mortgage while rates are historically low. There are other options to consider such as varying your mortgage term or options such as current account mortgages which could benefit some clients.

Contact us today to find out how we can help.

SHARED EQUITY & OWNERSHIP

We believe that these are areas which are likely to grow strongly in the future. They potentially allow purchasers to get onto the housing ladder earlier than they may otherwise be able to. There are specialist products and underwriting in these areas, some of which apply specifically to new build properties, and we will be able to help you choose the option and deal that suit your needs and budget.

Contact us today to find out how we can help.

SECOND CHARGES

This is a very niche lending area which can be used in a variety of ways. A common use may be where a home-owner has a low-interest rate with their current mortgage deal and they don’t want to disturb this, or there may be early redemption penalties on their deal. A second charge loan could be used to allow equity to be released for a wide variety of purposes. These may include, but aren’t limited to, helping out a son or daughter with a deposit for their property purchase, debt consolidation, and paying for home improvements.

Contact us today to find out how we can help.

MORTGAGE PROCESS

Looking for a mortgage can be confusing and time consuming, especially when just starting out. We offer quick and easy quotes along with expert advice in all areas of personal financial to make sure you get the best and most suitable deal. See below for how we can help you.

We treat all of our customers with the same level of integrity and honesty that they expect and always offer advised solutions to lending needs. We will conduct an initial discussion where the needs of the potential customer are ascertained together with their background information being gathered.

This will then lead to exhaustive research into the possible options. The final stage is the solutions being presented to the prospective client. With our clients agreement from here we apply for a mortgage in principle where much of the required documentation will be needed, for viewing at least, and once the mortgage is agreed in principle we can apply for the mortgage. It is at this point we collect copies of all of the required documentation and finally charge the pre-agreed fee.

The mortgage application will be managed with the same level of expertise and very often our satisfied customers stay with us for all of their future lending needs.

IMPORTANT: YOUR HOME MAY BE REPOSESSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT. THERE WILL BE A FEE FOR MORTGAGE ADVICE. THE AMOUNT YOU WILL PAY WILL DEPEND ON YOUR CIRCUMSTANCES.

Contact Acorn To Oaks Financial Services

HOW CAN WE HELP? CONTACT US FOR ADVICE.

Contact our friendly staff today to talk about how we can you help you.