Residential Remortgages

We can arrange a remortgage for your current home. We can simply find you a better rate or we can raise funds for you to improve your property or for any other legal purpose.

Second Charge Mortgages

If you are having difficulty borrowing extra funds secured against your property or you have a great fixed rate that you don't want to lose but need extra funding, we can arrange a second charge mortgage for you, with the lowest rates on the market. These funds could be for home improvements, to use as a deposit to buy another property or for any other legal purpose.

Help to Buy

                             Help to Buy: Equity Loan scheme (2021-2023)

First-time homebuyers who are eligible for an equity loan can borrow up to 20% (40% in London) of the purchase price of a new build home. Check with your homebuilder that they are registered for the scheme before you apply.

How much you can spend on your home will depend on which region it is in.
North east                                                            £186,100
North west                                                           £224,400
Yorkshire and The Humber                             £228,100
East Midlands                                                     £261,900
West Midlands                                                    £255,600
East of England                                                  £407,400
London                                                                 £600,000
South east                                                           £437,600
South west                                                          £349,000

You pay a deposit of 5% of the purchase price of your new home at exchange of contracts and arrange a repayment mortgage of at least 25% of the purchase price of your new home.

You won’t be charged interest on the equity loan for the first 5 years. Interest fees start at 1.75% and rise each year in April by the Consumer Prices Index (CPI) plus 2%. You pay a monthly management fee of £1 for the life of the equity loan.

An equity loan is secured against your property in the same way as a repayment mortgage. You must repay the equity loan when you sell the home, pay off your repayment mortgage or reach the end of your equity loan term. But, you can repay all or part of the equity loan any time before then

We can assist you to purchase or remortgage your shared ownership property. With Shared Ownership you buy part of the property & rent the rest of the property. If you already have a Shared Ownership property, we can help you to buy a larger share of the property or buy all of the property.

Once you have lived in a local authority home for as little as two years, you may have the 'Right to Buy' it & also be granted a discount off of the purchase price.

We can arrange funding for you to build your very own 'Grand Design'.

We can assist with raising funds for you to use yourself or to help family. If you are over 55 & need to look at raising funds, contact us.

If you are buying a property & need assistance with the legal conveyancing, we can get a quote & recommend a legal firm to you.

When you purchase a property, you may be liable to pay 'Stamp Duty'. You need to remember this when you think about purchasing. We can help you to get advice on how much you'll need to pay.