If you have adverse credit the lenders that you see in the results are lenders who may consider lending to you. If you want to do credit repair please contact us so that we can undertake a more indepth analysis.
What is the location of the property that you are mortgaging
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Do you have a mortgage on your current property
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Are you a first time buyer
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What type of repayment method are you looking for
If you want an Interest Only mortgage you will need to have a repayment strategy in place before a lender will grant you a mortgage
What is the purchase price
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What is the value of your current property
Enter what you believe to be the market value of your property. If you are unsure refer to one of the online property websites that provide estimated valuations such as Zoopla.
How much are you looking to borrow
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Who is the current lender
By entering the name of your current lender you will see the products offered by that lender for existing customers
How much is currently outstanding on the mortgage
Enter the outstanding balance on your mortgage. If you have an early repayment charge please call us so that we can do a more indepth analysis of your situation.
What are the current monthly payments
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Expected Monthly Rental Income
Enter the expected rental income from the property that you are mortgaging
Do you own your own home
Some Buy to Let lenders require that you own your own home
Including rental income will you be a high rate tax payer
Lenders apply different underwriting criteria based on whether you are a higher rate tax payer or not
Are you a first time landlord
Some lenders do not lend to first time landlords
How many years would you require this mortgage/loan
The maximum term for lenders is normally 35 years but this will be determined by your age and loan amount.
How many months would you require bridging loan
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What type of rate are you looking for
Discount - reduced payments for a limited period. Fixed - will fix your payments for a limited period. Tracker - payments will track Bank of England base rate. Variable - payments will vary based on lender's variable rate
How long would you like this rate to last
If you think that interest rates may rise in the future then you may want to consider fixing your rate for as long as possible
You have answered enough questions to generate a quote, however you can use refine search to improve the accuracy of the search results by entering your age, income and property details. QuoteRefine Search
How many applicants will there be
If there are more than 2 applicants please call us so that we can do a more in depth analysis of your situation
What is the gross annual income of the first applicant
If you are self employed or if your income is based on a high level of commission or bonus please call us so that we can do a more indepth analysis of your situation as lenders rules are complex in these situations
What is the gross annual income of the second applicant
If you are self employed or if your income is based on a high level of commission or bonus please call us so that we can do a more indepth analysis of your situation as lenders rules are complex in these situations
What's the date of birth of the first applicant
Some lenders have restrictions on lending based on the age of the applicant
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What's the date of birth of the second applicant
Some lenders have restrictions on lending based on the age of the applicant
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What type of property do you want to mortgage
Lenders' maximum loans for houses differ to those for flats
What type of flat is it
Some lenders will not lend if the flat is above commercial premises or may restrict borrowing to 75% of the property value
What floor is it on
Some lenders restrict their lending based on the number of floors within the block of flats
Would you like free legal fees
Free legal fees may reduce your mortgage costs but you should also compare loans that require you to pay legal fees.
Would you like a free valuation
Free valuation fees may reduce your mortgage costs but you should also compare loans that require you to pay valuation fees.