Building a better future starts with saving.
Our mortgage options make homeownership a reality for first-time buyers.
LET’S SEE IF WE CAN HELP YOU FIND THE RIGHT DEAL
Our mortgage services include:
Mortgage advice: our advisors can help you understand the different types of mortgages available, including fixed-rate, standard variable rate, and more, and help you find the right mortgage to meet your needs.
Mortgage pre-approval: our advisors can help you get pre-approved for a mortgage, so you know exactly how much you can afford to spend on a home and what your monthly payments will be.
Mortgage refinancing: our advisors can help you refinance your existing mortgage to lower your monthly payments, shorten the term of your mortgage, or access equity in your home.
Mortgage calculator is for example purpose only
Our mortgage calculator is a useful tool that can help you estimate your monthly mortgage payment and the total cost of your loan. The calculator takes into account factors such as the loan amount, interest rate, and loan term to give you an accurate estimate of what your mortgage will cost. With our mortgage calculator, you can easily compare different loan options and find one that fits your budget.
Looking to secure a mortgage with the help of one of our advisers?
Here are the steps you’ll take in your mortgage journey:
Contact us
"Contact us today to start your mortgage process with ease and confidence."
Submit a decision in principle
"Submit a Decision in Principle to start the mortgage process and get a clear idea of how much you can borrow."
Place your offer on a property
"Place your offer on a property and take the next step in securing your dream home with our expert guidance."
Full mortgage application
"Complete a full mortgage application with us to move forward in the process and bring you one step closer to homeownership."
Underwriting and valuation
We’ll take it from here. Your dedicated adviser will ensure to keep a close eye on the progress, ensure lender receives all the requested documentation, ensure the valuation is booked.
Exchange
"Exchange contracts and officially secure your new home with our expert support and guidance throughout the process."
Completion
"Achieve a successful completion and take ownership of your new home with our guidance and support throughout the process."
Please note your home may be repossessed if you do not keep up repayments on your mortgage
Our other services through our trusted partners
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Commercial Mortgages
A mortgage for your commercial property works in a very similar way to a residential mortgage on your home.
The term of the loan can be 5-30 years with repayment or interest only options. A repayment loan will ensure the debt is fully repaid via your monthly payments, should you decide on the interest only option then the lender will want to know how you will eventually repay the loan.
You should be able to borrow 60-75% of the purchase price, so a cash deposit is always needed. However, we may be able to utilise another property that you own to capital raise the deposit.
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Holiday Let Mortgages
whole of market brokers can help you get a great holiday let mortgage.
Access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s up to 75% and can help with Scottish properties, mixed use, multi-lets and Airbnb.
Mortgage advisers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions.
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Development Finance
Development finance through our trusted partners is designed to help with the purchase and build costs for a residential development project.
Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.
Typically, secured loans are available to fund the land/building acquisition and the development costs, over a six to eighteen month period.
Once the project has been completed, the loan is usually repaid through the sale of the property. Some development loans are renewable, which can be a life saver in the event of an unforeseen time overrun.
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Bridging Finance
A bridging loan or bridging finance through our trusted partners is a short term secured loan or mortgage. The property used as security can be either residential, buy to let or commercial. These types of loans are temporary, allowing you some time to refinance or sell a property.
The bridging loan term can be for just a few days or months, up to 1-3 years maximum. At the end of the term the lender will require full settlement of the debt via an exit strategy.
Most lenders are happy to lend up to 75% loan to value but it is also possible for a 100% bridging loan to be granted in certain circumstances.
Loans are available to both Limited Companies and Individuals including landlords and property developers.
Book at your convenience, schedule a free consultation with a financial adviser today
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+44 1634 682813
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Book a free consultation
Use our booking calendar if you’d like a free, no-obligation consultation with a Patrick Wayne wealth adviser to discuss your particular financial needs.
Our Other Services
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Financial Advice
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Pensions
Advice on everything related to pensions and retirement. Explore our guidance on types of pensions, building your pension pot, and more.
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Investing
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