FIRST TIME BUYER
Buying your first home is a very exciting time in your life however it can be a very daunting process as you are unaware of the process involved. You are in a great position as you have no home to sell and generally flexile on timeframes which is a very appealing factor to sellers.
At Winton & Co Mortgage Advisers we’ll guide you through the entire process and find the best deal available for your circumstances. We can chat through the process with you and once we have assessed your affordability and budget, we can then search the whole of the market in order to get you the most suitable deal. During the entire house buying process, we’ll liaise with your Estate Agent and Solicitor and keep you informed of how your mortgage application is progressing.
Feel free to contact us via phone, email or social media in order to arrange a time to discuss your first home purchase.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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RE-MORTGAGE
Re-mortgaging is the process of switching your existing mortgage to another mortgage lender. This is generally carried out in order that you can:
- Reduce your monthly mortgage payment
- Shortening the length of your mortgage
- Raising a deposit for another property
- Home improvements
You don’t have to remain with your original lender for the duration of the mortgage and can move to another lender at any time. You don’t have to wait until you are buying a new home and re-mortgaging can save you money. There may be early repayment charges from your existing lender however savings are still possible. Feel free to contact us to discuss your options.
You may have to pay an early repayment charge to your existing lender if you remortgage. A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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CO-OWNERSHIP
Getting onto the property ladder can be a difficult first step and raising a deposit can sometimes be out of reach for some people.
With Co-Ownership, you pay a mortgage for the share of the property you have bought and then pay rent for the remaining share. Over time you can continue to increase the share your own.
In many occasions, a deposit is not required and you may be surprised as to how much you could afford.
We can provide assistance on Co-Ownership and show you the potential costs compared to renting a house.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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BUY-TO-LET
If you are thinking of buying a property to rent out, we can assist in providing you with a Buy-To-Let (BTL) Mortgage.
At Winton & Co Mortgage Advisers, we can provide you information such as how much of a deposit is required and what the monthly repayments will be.
You maybe thinking of re-financing an existing BTL property to purchaser another. We will be more than happy to discuss the options you have. Contact us at your convenience.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Most forms of Buy-to-Let mortgages are not regulated by the FCA.
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SELF BUILD MORTGAGES
Building your own home is an exciting process where you design your new home however it can be a very stressful time too.
Perhaps you are currently looking at potential sites on the market and wondering what to do next or have just got planning permission and now costing the build; we can advise on the next steps for your Self-Build Mortgage.
Contact us anytime and we will arrange a time to talk through the entire process.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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NEW BUILD HOMES
Over recent years, there are have been more new developments throughout Mid-Ulster and Northern Ireland.
New homes provide buyers with the opportunity to move into a brand-new house. You can select your own finishing touches such as kitchen designs, floor coverings and bathroom designs.
This is a very exciting time however it is important to know if the property is affordable, what the monthly repayments will be and how much of a deposit is required.
At Winton & Co Mortgage Advisers, we can help answer those questions. Let us know when suits to chat and we will go through it together.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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MOVING HOME
There are many reasons why people move home during their lifetime such as up-sizing, down-sizing and relocating to a different town, county or even country. You maybe after a larger house in the country or relocating closer to work or family.
This may involve requiring an additional mortgage or perhaps paying off some of your existing mortgage.
Whether you are ready to move or just considering your options, feel free to contact us and we’ll help you along the way.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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RAISING CAPITAL
Perhaps you are thinking of carrying out some home improvements to further improve your home. This could be a new kitchen or perhaps an extension?
You may be considering purchasing another property to rent out or even a holiday home.
It maybe an option to raise funds by increasing the size of your mortgage on your home. At Winton & Co Mortgage Advisers we can look at your current mortgage arrangements and advise on your options.
Do not hesitate to contact us anytime to discuss further.
Think carefully before securing other debts against your home. A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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