Mortgages in Gloucestershire 

Mortgages in Gloucestershire 

Find a mortgage that's right for you 

Whether you are a first time buyer, looking to remortgage, move house or invest in a buy-to-let property, I can search thousands of mortgages to suit your individual needs. 
 
There are a huge range of mortgages and property-related lending options available to property buyers and home owners nowadays. 
 
Below are just a few of the main types of mortgages that I can offer, but please do get in touch if you're looking for something a little 'off the beaten track'. 
 
I'm here to help! 

I promise to be honest and upfront, so I want to tell you that...  

Your home may be repossessed if you do not keep up repayments on your mortgage. 
 
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee can be up to 1%, but a typical fee is 0.3% of the amount borrowed. 

 First Time Buyer Mortgages 

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs. In addition, people buying their first home often have specific needs when it comes to finding a mortgage. 
 
I therefore have access to a wide range of First Time Buyer mortgages that have been developed specifically for this market sector. 
 

 Buy To Let Mortgages 

 
Whether you are taking early steps in the Buy To Let market, or already have a portfolio of properties, I can give you unbiased and up-to-date advice on a comprehensive range of Buy to Let products currently available on the market. 
 
Please note: There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage. 
 

 Remortgages 

 
Remortgaging means switching your mortgage to another deal, sometimes with another lender, without moving property. I have helped a wide range of clients across Gloucestershire to remortgage over the years, and would love to help you too. 
 
Please note: You may have to pay an early repayment charge to your existing lender if you remortgage. 
 

 Offset Mortgages & Flexible Mortgages 

 
An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.  
 
With options for overpayments and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned! 
 

 Bridging Finance 

(Provided via a third party business partner) 
 
A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. Again, I have lots of experience in this type of solution, and would be happy to help guide you through it. 
 

 Second Charge Loans 

(Provided via a third party business partner) 
 
If you need to access some extra funds, second charge loans can be secured against both residential and Buy to Let properties. 
 

 Self Build Mortgages 

 
These are mortgages suited to people building a new home. With a Self Build Mortgage, money is released in stages as the build progresses. 
 

I promise to be honest and upfront...  

So I want to tell you that your home may be repossessed if you do not keep up repayments on your mortgage. 
 
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee can be up to 1%, but a typical fee is 0.3% of the amount borrowed. 

I’m here to help!  

If you need a mortgage or a remortgage, give me a call and let’s have a chat! 
 
I also have trusted referral partners able to place later life lending and equity release, which can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.