Fees Assisted Re-Mortgages: With many homeowners about to revert back to the lenders standard variable rate a new rate can be secured with a new lender (often at little cost) thereby making sure you are not paying over the odds for your mortgage. Mortgage-Desk offers mortgages from the whole of the market and being independent are best placed to give you impartial advice.
Buy To Let and Commercial Mortgages*: Unlike standard mortgages, buy to let mortgages and commercial mortgages are assessed differently by lenders. The main criteria used to assess a mortgage application is to consider the amount of income a property will generate and whether the income will be enough to meet the monthly repayments of the mortgage or remortgage. Lending is also possible in the name of limited companies or SPV's.
The lending term for these mortgages / loans can range from anything between 5 to 30 years. The interest rates for these mortgages are also traditionally higher. There are many lenders that will specialise in these areas and are typically not found on the high street. *Buy to Let & Commercial mortgages are not covered by the Financial Services Authority.
Flexible Mortgages: The flexible mortgage has been around for a considerable time now, but the fact remains this is one of the most exciting mortgage schemes and is used by the self employed, directors, property developers, landlords and so on. Often the only limitations of these schemes are the applicant’s own imagination.
Let To Buy Mortgages:Also know as the chain breaker (up to 90% lending). Ideal for individuals wishing to keep their existing property whilst moving to a new main residence.
Adverse Status Mortgages:Due to an unfortunate set of circumstances often beyond the borrowers control their credit status / score becomes tarnished. We have access to lenders who can take a sympathetic approach to lending on a case-by-case basis. Some of these lenders are the very same high street names we expect to be offering the prime rates - often there is no stigma attached with the lender and you are free to get on with your life. Rates are dependent of your previous credit history - call us to get a decision in principle.
Overseas Mortgages: With many of our clients wishing to purchase properties abroad we have developed key links with lenders for the overseas market, whether you want a duplex in Dubai, a villa in Valencia, Studio in South Africa or even a farm if France we can help....
We are fully regulated by the Financial Services Authority and also members of the National Associations of Commercial Finance Brokers – NACFB
Call Mortgage-Desk... Office hours 0845 458 8001 / int. +44 (0)1494 719982 / 24hrs 0800 085 8000 / E-mail mail@mortgage-desk.com
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© 1998-2010 Mortgage-Desk
Mortgage-Desk is a trading style of J R Cox, authorised and regulated by the Financial Services Authority. Our FSA registration number is 305402. Mortgage-Desk’s permitted business is advising on and arranging mortgages and Non-Investment Insurance contracts. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Loans are subject to status. Some of the services we provide are not regulated by the FSA.
