Whether you are buying your first home, looking to move up the ladder, or just want a better deal on your mortgage we are here to help. At Stoneygate Mortgages our aim is to help you get the most suitable mortgage and protection for you and your family. We work hard to make sure we fully appreciate your needs and circumstances and give you tailored advice and support through out the whole process.
With over 10 years experience working as a mortgage consultant you can be sure that you are in safe and knowledgeable hands. With experience of working both as a broker and at a high street bank, we know what it takes to provide the right advice and the best service to you.
Service
We offer a full advice service for both your mortgage and protection needs so you know that you are getting the right products for you. We will also make sure that we review these regularly for you to make sure they remain suitable as your circumstances change.
We will take you through the process from start to finish and liaise with estate agents, solicitors and any other relevant parties to make sure the mortgage goes through smoothly.
For us our job does not end when the mortgage completes, we will look to maintain contact with you and support you through your future home owning journey.
Keys to your new home
When you buy your first home it should be one of the most exciting things that you do, however many find it a daunting and stressful experience. There are a lot of things to consider when buying a house and everyone has their own opinion on the best way to go about it. At Stoneygate Mortgages we will help you to find out how much you can borrow, and make sure that you are comfortable with the repayments on the mortgage, as well as supporting you throughout the process of buying your first home.
We will make sure that we keep you informed at every stage of the process as well as liaising with estate agents, solicitors, and any other relevant parties to ensure the process is as smooth as possible.
New family home
If you are looking to buy your next home we are here to help, we will guide you to the best mortgage deal as well as explaining all of the costs involved and support you through the moving process. An important starting point is to know what your maximum budget is and have your borrowing limit confirmed. This can help with the application further down the line in that if there are any issues that may prevent you from getting a mortgage these can be resolved early on in the process.
At Stoneygate Mortgages we will work with you and discuss areas such as your income, outgoings, future plans and savings to make sure that our advice takes your circumstances into account both now and in the future. We will take into account your current mortgage as well as search a comprehensive lender panel to find the most suitable products to enable you to finance your house purchase. We will advise you on the different types of mortgages that are available to you and how these may impact you over the life of the mortgage.
At all times we will liaise with all parties involved in the process such as estate agents and solicitors to try and make the process as quick and simple as possible, so you can concentrate on moving into your new home.
Remortgage
There are a number of reasons why you may want to look at remortgaging and it is important to know that even though you are not moving home you could still get a great deal on your mortgage. There are three main reasons why you may be considering a remortgage and no matter what the circumstances are we at Stoneygate Mortgages can help.
- Securing a better deal – when you first secure a mortgage deal invariably you are offered an incentive rate that lasts for a set amount of time. Once this ends it is important to look at your mortgage as you may end up paying a higher rate if you stay with your current lender. By reviewing your mortgage you could see a reduction in the interest rate you pay and therefore reduce your monthly outgoings.
- Releasing Equity – Where you have equity in your property it may be possible to release some funds in order to extend the property, pay off debts that have a high level of interest or even buy an investment property. We will make sure that releasing equity from the property is the right thing for your circumstances.
- Protection Against Rate Rises – When it comes to interest rates they may rise of fall at any time and it is important that you know how these changes could impact you. For those who are worried about possible rate rise, remortgage allows you to fix rates are current levels, also allowing you to plan your monthly budgets for the coming years.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
If you are looking to buy your first rental property or are an experienced landlord looking to review or grow your portfolio Stoneygate Mortgages can help you to find the right mortgage product for your circumstances.
In order to make your buy to let to work for you, it is important to make sure that you have considered all of the available options for you, and there are many buy to let mortgages that are not available direct and can only be accessed through a mortgage broker.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Protection
For us at Stoneygate Mortgages getting the right protection for your needs is just as important as getting the right mortgage. It is easy to say that ‘it will never happen to me’ but unfortunately it can and does. By getting the right protection in place you can be safe in the knowledge that both you and your family have something in place to support you through difficult times.
There are a number of protection policies and we will aim to get you the right cover for you within an affordable budget, we will also make sure we contact you regularly to review this cover so that we can take into account any changes to your circumstances.
Follow the link for more information regarding the specific types of cover
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