Mortgage Advice Service
Since the credit crunch the banks have tightened up their criteria and new rules which came into force in April 2014 have tightened up their lending criteria even further. One bank may decline an application however there may be several others which would approve a mortgage. This is where a specialist mortgage broker can provide solutions. FTA Mortgages Ltd can provide comprehensive mortgage advice in the following areas and welcome any enquiries:
Residential Purchases – For clients looking to purchase their first or subsequent homes, looking for a property for a dependent relative or even looking to port your existing mortgage to a new property.
Remortgage Options – If you are on a variable rate mortgage or coming to the end of your current mortgage deal, we can search the market and see if there is a better option and potentially save you money. If you need to raise capital and withdraw funds from your property to pay for home improvements or use as a deposit to purchase another property, this can be done by way of a remortgage.
Buy to Let Purchase or Remortgage options – If you wish to invest in Buy to Let property, we can arrange mortgages to purchase or refinance a rental investment property portfolio.*
Bridging Loans – If there is a delay between selling your old property and buying your new one we can arrange a bridging loan for the interim period. We can also use bridging loans to purchase property at auction.*
Broker Only Lenders – Besides the High Street lenders we also have access to lenders which only deal with brokers and provide competitive rates.
FTA Mortgages provide a personalised service and arrange Mortgages, Remortgages and Buy to Let mortgages.*
To get a financial pre assessment and see how much you can borrow, please contact us on 0333 088 1157 or email us.
* The Financial Conduct Authority does not regulate most forms of buy to let mortgage.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
FTA Mortgages Limited charge a fee for the advice and arrangement of any application. For establishing your needs, undertaking research, making a recommendation and obtaining a mortgage offer, we typically charge a fee of £495 for standard cases and up to £995 for complex cases such as adverse credit, newly self employed, non-standard income, joint mortgage sole proprietor, self build. Our fee usually becomes payable upon issue of your mortgage offer. Full terms will be issued within our client agreement prior to proceeding with any application.
