Mortgage Solutions
Your Mortgage
Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through.
House Purchase
The first thing you need to do is decide how much you can afford. We need to assess how much money you have available and how much you can borrow. There are 1000’s of products we search through for you and then we recommend one that is most suitable for you.
Remortgage
Remortgaging is the simple process of moving your current mortgage from one lender to another.
First Time Buyers
Why not ask Altogether Financial Solutions to help you get the keys to your new home. Your own place that will be the first step in independence.
Buy to Let
If you are planning on buying a property to rent out but can’t afford to buy the property outright, you’ll need a Buy to let mortgage.
Let to Buy
If you want to move home but are struggling to sell your property or due to market conditions it has fallen in price, then let to buy may be a consideration. By letting your property out, it would allow you to move into your dream home without selling in a hurry and furthermore without selling at a loss.
Help to Buy
A Help to Buy loan is open to people keen to purchase a new-build property, and who have a 5% deposit available. Currently the government will top up your deposit with an equity loan of up to 20% of the property value (maximum £120,000) – in this case, you would take out a 75% mortgage from a lender to buy the property. For buyers in London only, the maximum equity loan is 40% of the property value, up to £240,000. The maximum full purchase price is £600,000 in both London and the rest of England.