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Whole of Market Mortgage Broker

Ashleigh Mortgages offer a free mortgage consultation service. We use the latest systems to search the whole of the mortgage market to ensure you get the most suitable deal for your personal and financial needs. Our professional qualified mortgage advisors have over 30 years experience in the financial markets so you know you're in safe hands.

If you have been unable to get the mortgage you require from your bank or building society we may be able to help you.

Mortgage Certificate

If you intend to purchase, remortgage or borrow additional funds it is advised to obtain a mortgage certificate agreement from a lender. Most vendors and estate agents will ask you for this to show you are able to proceed with a purchase, in the case of a remortgage a certificate will allow you to switch lender or raise capital, we can help you obtain this quickly and ensure you get the best offer available.

First Time Buyer

Buying a house is one of the most important purchases you will make and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision to make. 

To help you with making the right decision we have put together some points to consider.

  • Ensure that you are realistic when working out exactly how much you can afford to spend on your new house. You should ensure the intended mortgage is affordable (by doing a budget calculation) and it is wise to seek a mortgage certificate, so that you know how much you can offer once you have found a suitable property.

  • If you have been used to living at home with your parents, remember to budget for expenses such as council tax, gas and electricity bills, boiler servicing and other home repairs.


  • Write down a list of local amenities which are important to you. This may include shops, restaurants, pubs, sports centres, parks, and cinemas. If you enjoy activities such as walking, or cycling, the neighbourhood you plan to move in to may be very different to the one your parents are living in, and may not have the same access to parks and other recreational facilities. Before making any final decision about where to move to, take a stroll or bike ride around the local area, and note down where the key facilities are.

Purchase

As with any large purchase, you want to make sure you get the best deal available for your money, for this reason we offer whole of market advice. It may have been some time since you last approached a lender and there has been some major changes in criteria when applying for a new mortgage, changes may include:

  • You may have changed jobs.

  • Become self employed.

  • Now work on a contractual basis.

  • Had a change in income.

  • Experienced some changes in your personal circumstances.

    Any of the above should give you reason to speak to an experienced advisor in regard to your new purchase.

Remortgage

Remortgages can be used for various reasons. However, most people simply switch mortgages because it will work out cheaper for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender. Another example is when you may need to re-mortgage to consolidate debts, buy out a partner or take a name off a mortgage for personal reasons such as divorce or to buy another property. It is worth noting that a remortgage is not the best option in all cases. Even if the lender you are considering switching to is offering a lower APR, you must take all costs into consideration, we can help you decide. Things to consider include:

  • You may be able to find a deal with your current lender, this may save you having to pay extra fees to move lender.

  • The new lender may charge you for valuation and solicitors fees, even if you have already paid these for your mortgage with your current lender.


  • You may have to pay an early repayment charge to your existing lender if you re-mortgage.

  • In some circumstances a secured loan may work out to be a more cost effective way to borrow money.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Buy To Let

Many people use buy to let as an investment for the future through increase in value or from an additional monthly income, either way, it is a specialised market in relation to what a lender will allow you to borrow, types of property, how many you can own and the amount of rental you would need to achieve. Other considerations may include, are you going to manage it yourself, what types of insurance is required and do you need an accountant? Ashleigh Mortgages have vast experience in the buy to let market, we will help you achieve your ambition of becoming a buy to let investor.

Help To Buy

We are also able to help with applications for first and second time buyers to get onto the housing ladder or move up. Help to buy makes it possible to buy a new-build or existing home with as little as a 5% deposit. To find out more information, please call and speak to one of our advisors.

Whether you're a first time buyer, home mover, home improver or property investor when we have established your needs and confirmed your position to proceed we will find the best mortgage deal available.

Please contact us should you need help to find the most suitable mortgage deal.

Mortgage Broker | Mortgage advice in all areas of the UK

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.