Getting the right mortgage deal can be a challenging process, particularly in a climate where lending criteria have been tightened, making funds harder to access.
That’s why talking to Birchwood’s mortgage specialists is a wise move, before you even start looking for a property.
We’ll take time to understand you, your needs and your attitude to money and risk. So if you like security, you might prefer a fixed rate mortgage. If you can afford to see your monthly repayments alter from time to time, a tracker might be what you’re looking for. Or you might be buying to let as an investment for the future.
We’ll help to clarify repayment methods, interest rate deals and other factors that will influence your decision-making and build up a clear picture of exactly what you are looking for and how much you can afford to borrow.
Then, because we’re independent, and not tied to any mortgage providers, we can research the whole mortgage market for options, including those offered by lenders you may not be aware of.
We can also make your application to your lender, keeping in touch with solicitors, surveyors and estate agents and lenders to make sure that everything goes smoothly right up until the purchase is completed and the property is yours.
We can also help when you are need to or are thinking about remortgaging, to help clarify which deal provides the best overall value in terms of your current situation and your plans over the next few years.
Please remember that your home may be repossessed if you do not keep up repayments on your mortgage, or any loans secured on it.