Receive Mortgage Advice From Our Financial Advisors in Folkestone, Kent
Whether you’re looking for a mortgage or a buy-to-let scheme, we’re able to offer you general finance information on all types of housing options.
From residential homes to commercial properties, this service is applicable to every establishment. Once you’ve submitted your enquiry form, we arrange an appointment with you at a convenient time and look at the property you wish to finance.
Our estate agents take the process at your pace, so you’re able to understand the whole thing from start to finish.
If you are looking for a new mortgage, it is likely to be one of the following as they are all very different.
- First Time Buyer
- Next Time Buyer
As an advice based service we would be delighted to speak to you regarding your needs. In the meantime, please select your choice and read how we can help you further.
They aim to provide you with the best rate available for your circumstances and as our advisers are part of the Legal & General Mortgage Club, they have access to exclusive mortgages, which may not be available directly from high street lenders. Spending just a few minutes on the phone to them or in person can save you a large amount of time and they may have options you haven't previously thought of.
Last year our partner company a.ITanged over 4,000 mortgages totalling £884 million
How much can I borrow?
When you apply for a mortgage, lenders calculate how much they'll lend based on both your income and your outgoings -so the more you're committed to spend each month, the less you can borrow. If you would like to know, call us today to find out exactly.
How much deposit will I need?
In the current mortgage market you'll need a deposit of at least 5% of a property's value to get a mortgage. A lender would then lend you 95% of the
property's value. So, if you wanted to buy a £150,000 property you would need to save up at least £7,500 and borrow £142,500.
Do I need a good credit history?
Your credit is certainly part of the mortgage qualification process. But you don't necessarily have to have good credit.
Because lenders also consider your debt-to-income ratio, the amount you want to borrow and the value of the home, good credit isn't the hard-and-fast requirement you might think. What you do need is advice, speak to a specialist today, you may be in for a pleasant surprise.