Mortgages & Secured Lending

Getting your first steps onto the property ladder can be a big undertaking. Our expert knowledge of dedicated first time buyer products, deposit requirements and shared equity schemes could help that first step come sooner.

Having the right advice when it’s time to move home could make a significant difference to your options. Our specialist advice can help you maximise your budget, minimise fees and evaluate the pros and cons of porting your existing mortgage.

Alongside an existing mortgage product coming to an end there is a range of reasons why considering a remortgage could be appropriate. Releasing equity to fund home improvements, buying out a former partner and taking advantage of more favourable rates are all areas that benefit from expert advice.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Later life lending can open up a range of options for older customers that are not catered for by traditional mortgage products. We work with a range of specialist providers that can offer options for purchasing, releasing funds and remaining in your property when your traditional mortgage comes to the end of term.

Also, as part of The Cornerstone Network we can connect you to on of their trusted experts if you have any enquiries about equity release.

Getting the right advice and support around your BTL purchase can be invaluable for new and experienced landlords. Understanding your deposit requirements, your borrowing ability and property restrictions could make significant differences to the success of your venture.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

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

Remortgaging can be an important time for landlords. It presents the perfect time to assess your position and future plans. It can open up possibilities to secure better rates or release funds for property renovation and reinvestment.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

Bridging finance is a highly specialised area of short term lending that can help facilitate a range of purchase scenarios, but is most commonly used when property is purchased at auction.

 Bridging finance can be processed far quicker than a traditional mortgage which means it can be used to meet the fast turn around times that auction houses expect transactions to be completed in, usually 28 days!

 It can also be useful to purchase properties that are not currently habitable and as such wouldn’t be eligible for a traditional mortgage.

In either example, bridging finance is a temporary measure to be used while a traditional mortgage is arranged. Providing sufficient renovation work has been completed the property will usually be revalued for the mortgage at a higher price allowing the bridging loan to be repaid plus additional funds to repay renovation and investment costs.

As members of The Cornerstone Network, we can connect you to one of their trusted experts if you have any enquiries about Bridging Finance.

A commercial mortgage, also known as a business mortgage is a loan that is secured on a non residential property such as office buildings, shops and industrial units. It can be applicable to a wide range of scenarios and is a useful tool for savvy businesses.

As part of The Cornerstone Network, we can connect you to one of their trusted experts if you have any enquiries about commercial finance.