WHAT CLIENTS ASK THE MOST
Your Questions Answered
CAN I GET A MORTGAGE IF I HAVE HAD A CREDIT PROBLEM?
Sometimes in life we encounter problems or changes that lead to blips in our credit profile, This could be changes in jobs, divorce, different life stages, unemployment the list goes on. Missed payments on mortgages, credit cards or loans, even pay day loans can be huge issue for some lenders. But some lenders will consider applications from people who have been credit impaired. It is all about repairing your history so that you get back to mainstream lending. Its not a certainty but by contacting us we can help establish if you would be able to secure a mortgage through one of these lenders.
SHOULD I GET A FIXED RATE OR TRACKER RATE?
Tracker rates are attractive and traditionally lower rates but should bank rates increase you could end up paying more. If you want the security of knowing what your payments will be for a set number of years a fixed rate may be better. We will take you through all the options and help you deside whats best for your circumstances.
WHEN SHOULD I REFINANCE?
If you come to the end of your incentive deal and your rate increases it could be costing you huge amounts in interest payments. You could contact your current lender and ask what new deals are available or you can shop around to see if there are better deals on the market. Most deals are portable so if you are thinking of moving your mortgage may be able to transfer onto your new home subject to terms. Always take advice, its normally free to talk to someone and it helps you get answers quickly.