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Commercial mortgage

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Secured loan

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Remortgage

We do not say just “Thank you” to our clients but we say “iThank you

Every successful application would be complimented with a free iPhone or iPad Mini from us as a sign of appreciation to your choise of using our services.

MORTGAGE PROVIDER MORTGAGE TYPE INITIAL RATE/DURATION SUBSEQUENT RATE/DURATION THE OVERALL COST FOR COMPARISON EARLY REPAYMENT CHARGES
Exclusive Mortgage Deals 1.99% Fixed until 31/03/2016 (60%) 3.99% Variable for term 3.90% APR 3.00/1.50% until 31/03/2016
Exclusive Mortgage Deals 2.65% – Bank Rate plus 2.15% until 31/12/2016 (80%) 5.69% Variable for term 5.00% APR No early repayment charge
Exclusive Mortgage Deals 3.19% Fixed until 30/04/2017 (75%) LIBOR + 3.84% currently 4.84% (LIBOR Floor/minimum rate of 1%) 4.70% APR 3% until 30/04/2017
Exclusive Mortgage Deals 3.39% Fixed until 31/03/2016 (60%) 4.84% – Bank Rate plus 4.34% for term 4.70% APR 3% until 31/03/2016

First time buyers

With a wide range of providers and mortgages to choose from, it can be difficult to know where and what to look for in your first mortgage. We are specialists at providing mortgage advice to first time buyers, and aim to help you get rid of the confusion and find the right solution for your needs and circumstances.

Benefits of using a broker who offers advice

  • We can help you look beyond the interest rate and properly compare the overall cost of the mortgage
  • We have exclusive access to deals including lender-direct deals
  • We will only recommend a mortgage that is suitable and affordable for you. This could also help speed up the process because you’re less likely to waste time on applications
  • We can help you with the paperwork and speed up the application process
  • If you buy based on a broker’s advice you have more rightsif the mortgage turns out to be unsuitable for you
  • Don’t forget to speak to us if you have a poor credit rating or need a specialist mortgage, such as buy-to-let.

 
For mortgages we can be paid by commission or a fee, usually £350, or a combination of both.

 

Remember: Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgage

Remortgaging is the process of someone who already has a mortgage getting a new mortgage, with a different lender, without moving home. There are three main reasons to remortgage:

  • to save money
  • to raise money against your house
  • to get a more appropriate mortgage.

Remortgaging to save money

If mortgage rates have changed since you took out your current deal, you might be able to save money by moving to a cheaper mortgage. Use the overall cost for comparison or Annual Percentage Rate (APR) to compare your current deal with what’s available from other lenders.

Two important things to remember are:

1)      Interest rates change regularly, so today’s best remortgage deals might not be available when you actually come to change.

2)      You need to factor in all the costs and fees of moving your mortgage to get a true picture of whether it’s worth remortgaging in the first place.

Remortgaging to raise money

Remortgaging can be a convenient way of raising some extra money by increasing the percentage of your home’s value that you borrow against – as long as you’re sure you can afford the new repayments and you understand the risks of the extra borrowing. Common uses for the money raised through remortgaging include:

  • Home improvementsthat increase the value of your home: for example, adding an extra bedroom.
  • Consolidating debt: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
  • Releasing capital to spend– but remember that while your borrowing will go up, your home’s value won’t.

Remortgaging to get a more appropriate mortgage

If your personal circumstances change, you may decide that your current mortgage is no longer the most appropriate, and that a different type of mortgage with different terms or features might be a better fit.

If you’re starting a family, for example, you may decide that the predictability of a fixed-rate remortgage deal is now more important to you than the low repayments of a tracker mortgage.

Buy to let

Buy-to-let mortgages are for homes that are bought to be let out. They work in the same way as standard mortgages, although rates tend to be a bit higher as there’s a greater risk to the lender. This is because landlords usually rely on rent from their tenants to cover their mortgage costs, and, if there is a long period when they don’t have a tenant, usually known as “void” period, there is a risk of them defaulting on the mortgage. However, never be tempted to option for a standard mortgage and then rent the property out, as you will effectively be committing mortgage fraud. If the lender finds out they could withdraw any special rate you might have been on, change the terms and conditions of your mortgage or even refuse to continue lending to you.

This is a great time for buy to let investors with the current economic situation, with rental returns at an all time high and showing no signs of slowing down, mortgage availability has tightened thus bringing in more people with no choice but to rent.

We will do all the hard work for you and promise to deliver an outstanding after care completion service.

Commercial mortgages

A commercial mortgage is a loan issued for the purpose of commercial land or buildings, not residential ones. Banks and other loan institutions still do the lending, but the borrower is usually a business, not an individual. Commercial mortgages can be used to develop or purchase land or buildings.

Before you take one out, it is essential that you consider the maximum monthly mortgage repayment your business can afford. You should also take into account the potential growth of your business, as relocating too often can be costly.

Secured loans

Multiple outstanding loans to pay each month? We can find you the cheapest secured loan within your circumstances to reduce your monthly outgoings.

If you are a homeowner and have multiple outstanding loans, you can consolidate debts with a cheap secured loan.

By consolidating your existing loans you will get greater control of your debts and reduce your monthly payments. This will clean the slate and allow you to make a fresh start.
Whatever your circumstances we will endeavour to find you the cheapest secured loan for your situation.

Securing your debt may result in a longer term than your current arrangements. We give you the facts in order for you to think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Please be aware that if you are increasing your mortgage to repay financial commitments then you may be transferring an unsecured debt to a debt secured against your home. If the repayment term is longer then you may ultimately pay more interest on the debt.

The FCA does not regulate second charge mortgages.

International mortgages

We provide an overseas mortgage service for clients purchasing property outside of their main country of residence for Buy to Let, investment and second or holiday home purposes. In Hong Kong and Singapore, we also provide mortgages for owner occupation.

Wide coverage

Including the UK, Spain, France, New Zealand, Dubai, Hong Kong and Singapore, with selected locations in Australia, Canada and the USA

Available in major currencies

Including Sterling, US Dollars, Euro, Australian Dollars, New Zealand Dollars, Canadian Dollars, Japanese Yen, Swiss Franc, Hong Kong Dollars and Singapore Dollars

Competitive interest rates

With free decisions in principle and all paperwork in English

Your property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.
For mortgages we can be paid by commission or a fee, usually £350 or a combination of both.
International mortgages are not regulated by the FCA or arranged via Sesame Ltd.

Address

Office T016

120 Kingston Road

Winbledon

London

SW19LY

Contacts

E-mail: info@morgag.es

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