Bad Credit/Adverse Mortgage

 

Need an Agreement in Principle ? Enquire Now or email us direct on info@tmbsl.co.uk

 

 

 

Had issues with credit in the past? Been declined by your bank for a mortgage because of credit history? Been told there aren’t any options available to you?

 

It’s a common situation that we come across daily. Not everyone has a squeaky clean credit history and fortunately there are lenders available that can assist with such matters. They are typically more in depth applications as the lender requires sight of more documentation making the process slightly longer however we are able to locate some solid solutions to assist in tricky circumstances.

 

 

Whole of Market Mortgages
(including many EXCLUSIVES)

Tailored no obligation
quotes received within an hour

 

What level of bad credit can be considered?

 

There are lenders on the market that can consider the any of the following current and historic credit problems:

 

  • Missed Mortgage Payments
  • Missed finance payments ie credit cards, loans
  • Defaults
  • C.C.J’s (Count Court Judgements)
  • D.M.P’s (Debt management plans)
  • Bankruptcies

 

The level of the debt issues will determine which lenders can consider and the interest rates applicable

 

 

Call us for a FREE Initial Mortgage Consultation and Quotes
Freephone 0800 410 1170 or ENQUIRE NOW or info@tmbsl.co.uk

Buy to Let

 

Need an Agreement in Principle ? Enquire Now or email us direct on info@tmbsl.co.uk

 

 

Whether you are considering purchasing your first buy to let or looking to add to your existing portfolio we are well placed to locate the best options for you.

 

Which Buy To Let?

 

Locating and defining the most appropriate product to match your investment can be a tricky process – we determine your goals in our initial mortgage consultation and tailor the product to meet. For example with Buy to Let mortgage options you can typically select between Interest Only or Capital Repayment; they both work in different ways and determining which path best suits your goals will help you to understand which way is best to proceed based on your perceptions.

 

 

Essentially we look after Buy to Let clients by:

 

  • Tailoring a mortgage product to your goals so that the product you end up with matches your investment plans
  • Walking you through the house purchase process (step by step if needed) so you know what to expect and when to expect it
  • Provide support in locating reputable solicitors to handle the purchase process if needed
  • Provide support in the house negotiation process with estate agents if needed
  • Ultimately locating the most suitable deal based upon your requirements

 

 

Whole of Market Mortgages
(including many EXCLUSIVES)

Tailored no obligation
quotes received within an hour

 

How are buy to lets assessed?

 

The Buy to Let mortgage market is an ever changing one – typically lenders will use the rental income derived from the property in question to determine the maximum loan amount available. Some lenders also take into account your personal finances to see if sustainable. Feel free to call us to discuss in further detail as it is an ever changing market on enquire now at info@tmbsl.co.uk

 

What types of Buy to Let applications can you assist with?

 

We can look at all types of Buy to Let applications including:

 

  • Limited company
  • Houses of multiple occupancy
  • Buy to Let remortgages
  • Let to buy remortgages

 

 

Call us for a FREE Initial Mortgage Consultation and Quotes
Freephone 0800 410 1170 or ENQUIRE NOW or info@tmbsl.co.uk

House Purchase

Need an Agreement in Principle ? Enquire Now or email us direct on info@tmbsl.co.uk

 

 

 

 

We appreciate that when it comes to purchasing a house everyone will have different levels of experience when it comes to dealing with the process of estate agents, mortgage lenders and solicitors – whatever level of experience and knowledge we can go into as much detail as needed and provide the necessary support to make the process as streamlined and stress-free as possible

 

 

Essentially we look after house purchasers by:

 

  • Tailoring a mortgage product to your lifestyle so that the product you end up with matches where you are in life currently
  • Walking you through the house purchase process (step by step if needed) so you know what to expect and when to expect it
  • Provide support in locating reputable solicitors to handle the purchase process if needed
  • Provide support in the house negotiation process with estate agents if needed
  • Ultimately locating the most suitable deal based upon your requirements

 

 

Whole of Market Mortgages
(including many EXCLUSIVES)

Tailored no obligation
quotes received within an hour

 

What types of Residential Purchases can we assist with?

 

To name a few:

 

  • Standard Purchases
  • Second Residential
  • Holiday Homes
  • Shared Equity/Shared Ownership schemes
  • Right To Buy
  • Guarantor Mortgages
  • Help to buy schemes

 

Call us for a FREE Initial Mortgage Consultation and Quotes
Freephone 0800 410 1170 or ENQUIRE NOW or info@tmbsl.co.uk

Remortgage

 

What is a Remortgage?

Remortgaging is a process where you move your mortgage balance from your current mortgage lender to another.

Why Remortgage?

The most common reason for doing so to obtain a better interest rate lowering your monthly payments however many people also do so to raise additional funds on top of their current mortgage balance for many reasons such as:

 

  • Home Improvements
  • Debt Consolidation
  • Capital raising to buy a new property
  • School Fees
  • Holidays
  • Cars
  • Divorce Settlement
  • Business Purposes (subject to purpose)
  • Investment solutions

 

Whatever the reason it’s always a good idea to review your current mortgage deal to determine if the deal you are on is the most cost effective

 

Whole of Market Mortgages
(including many EXCLUSIVES)

Tailored no obligation
quotes received within an hour

 

Best time to remortgage?

Commonly once your tie-in period with your current lender expires and you can switch penalty free however sometimes the circumstances justify the process of buying yourself out of a tie in period and incurring Early Repayment Charges from your existing lender.

We handle the whole process for you from finding the most suitable deal to completion of new deal making the process as stress free as possible.

 

Call us for a FREE Initial Mortgage Consultation and Quotes
Freephone 0800 410 1170 or ENQUIRE NOW or info@tmbsl.co.uk

First Time Buyers

 

Need an Agreement in Principle ? Enquire Now or email us direct on info@tmbsl.co.uk

 

 

Being a first time buyer can be a daunting prospect given the fact you haven’t been through the process before – there are so many options available and mortgage terminology can be hard to understand at the best of times. By using a mortgage broker you have someone to break all this down for you.

 

 

At The Mortgage Broker Swansea Ltd we take care of First Time Buyers by:

 

    • Breaking everything down into simple to understand terms

 

    • Tailoring a mortgage product to your lifestyle so that the product you end up with matches where you are in life currently

 

    • Walking you through the house purchase process step by step so you know what to expect and when to expect it

 

    • Provide support in locating reputable solicitors to handle the purchase process if needed

 

    • Provide support in the house negotiation process with estate agents – this can be tricky and an experienced set of ears can prove helpful

 

    • There are also several exclusives available for First Time Buyers with lenders from time to time offering cashback incentives as a nice perk that they pay you once your new mortgage starts – we can help to locate the most suitable deals available at any given time

 

    • Outline likely costs for stamp duty, solicitors fees and other relevant fees so you know what to expect further down the line

 

 

 

Whole of Market Mortgages
(including many EXCLUSIVES)

Tailored no obligation
quotes received within an hour

 

What types of Residential First time Buyer Purchases can we assist with? 

 

To name a few: 

 

  • Standard Purchases
  • Shared Equity/Shared Ownership schemes
  • Right To Buy
  • Guarantor Mortgages
  • Help to buy schemes

 

 

Call us for a FREE Initial Mortgage Consultation and Quotes
Freephone 0800 410 1170 or ENQUIRE NOW or info@tmbsl.co.uk