Residential

RESIDENTIAL MORTGAGES

We have access to a comprehensive range of the UK’s leading mortgage lenders, including exclusive products that cannot be found elsewhere, so you can be assured that we will find you the perfect mortgage to suit your circumstances!

We not only work with the major High Street mortgage lenders that you will have heard of but also the smaller Building Societies and specialist lenders, that you may not have.  Our aim, for every one of our clients, is to find the most suitable mortgage and to ensure that the whole process goes as smoothly as possible. We advise on and arrange the whole mortgage application process; from our initial chat right through to completion. We ensure you are kept informed at every step of the way, giving you peace of mind at a potentially stressful time of your life.

Whether you are a first-time buyer, moving home, remortgaging, or buying an investment property to let, we can help. Even if you are in the early stages of the process and are just looking for some initial advice we would be happy to assist. In due course, we can also obtain an Agreement in Principle, giving you the assurance to ‘shop’ with confidence.


FIRST TIME BUYER

Buying your first home is one of the most exciting and rewarding events of your life. To get to the point that you are ready to buy, you put in that “extra” effort. Now make the most of this opportunity. Don’t the challenges of mortgaging get in the way of this once in a lifetime event. Your first house!

We are flexible and are happy to meet at a time and place that suits you. We will get to know you, your circumstances and talk you through your options. When we talk about options those are primarily driven by affordability and your ideal monthly budget. After that meeting, we will then provide you with an accurate idea of how much you can borrow and may suggest that we obtain an Agreement in Principle. That document will greatly assist with your search of a dream home.

Once you have found your home, we can move forward swiftly on the full mortgage application. We will manage the process, liaise with the mortgage lender on your behalf, and ensure that you are updated as the application proceeds.

To protect your experience, you want to work with a team that are skilled in providing mortgage advice to first-time buyers. Get started on the right foot from the beginning. We encourage you to contact us at the beginning of your journey so that we can help guide you to a satisfying conclusion.


MORTGAGES FOR HOME MOVERS

People move from one home to another for all sorts of reasons. The list of possibilities is endless. There is no reason why your next home purchase should be any less rewarding than your first. Naturally, you will have questions. Probably a lot of questions.Should you remain with your existing mortgage lender? Should you look at other options in the market? What are the possibilities and pitfalls of the market? At Easyswitch Mortgages we can help you navigate your decisions. The correct answer depends upon your personal circumstances.

For example; one of the considerations is that you may be ‘tied in’ with your existing lender. In this situation, we need to consider the whole picture including the current interest rate and any Early Repayment Charges that may apply.

Our suggestion is that we start the process of assessing your options as soon as you decide that you want to move. By doing this we can ensure that we guide you in the right direction right from the start, which can save you bags of time and money. We will take time to assess your complete situation and make a recommendation based on your preferences.

When you are ready to move forward with your mortgage application, we will manage the whole process for you, liaising with your lender, solicitor and estate agent, so you can sit back, relax and think of how you are going to arrange your furniture in your new home!


REMORTGAGING YOUR HOME

When was the last time you were contacted by an existing service provider and asked, “Would you like to save money?” If not that, perhaps “We think you are paying too much for our service, can we explore a way to get you to pay less?”  That hasn’t happened to you? All that extra money the service provider is receiving is essential “free money” to them.

The same principle applies to your mortgage. Reviewing your mortgage regularly is vitally important to ensure that you are always on the right deal. The latest industry figures indicate that there are thousands of mortgage holders who pay much higher interest rates than is necessary.

A mortgage is a long-term financial commitment, but you don’t have to stay with the same product or mortgage provider for the term of your mortgage. It is sensible to regularly review your mortgage and explore whether it is still the best mortgage for you and that your rate remains competitive.

There are many reasons to consider remortgaging. It can help you to either; save money on your monthly repayments, shorten your current mortgage term, free up some cash for your long-awaited home improvements or purchase additional property.

We are pleased to undertake a free mortgage review with you and advise as to your options. If you then decide to go ahead with a mortgage through Easyswitch Mortgages we will, of course, advise if any fees are payable.