First Time Buyer Mortgage Advice
We know it’s not all about the mortgage when you are buying your first home. It’s an exciting time, but with so many plans to make and questions to be answered it can also be a little daunting. That’s why we explain the whole purchasing process including likely legal, survey and other costs involved in buying. We will then search out the best mortgage available from an unbeatable whole of market choice and provide you with an agreement in principal so you can begin looking for property with complete confidence.
When you are ready to buy, having made a successful offer for a property, we will then handle all the complex paperwork, again working with the lender, solicitor and surveyor throughout the purchase to ensure that buying your first home is a stress-free experience.
Help to Buy Scheme
The Help to Buy initiative was introduced by the UK government in April 2013 to allow first time buyers and home movers to purchase a new home with a 5% deposit. Scotland followed with its own Help to Buy Scheme in September 2013 and a nationwide Help to Buy Mortgage Guarantee Scheme which launched in October 2013.
Remortgage Advice
Looking for the best mortgage deal as an experienced property owner can be as daunting as buying your first home or moving home. The small differences in rate can have a big impact on your repayments. You will want to make sure you get the very best remortgage advice possible.
At AM Mortgages we provide each client with a personalised service to find the best deal on the market. Unlike basic comparison sites, we will tailor your remortgage to fit your own personal circumstances. We will also complete all of the remortgage paperwork with you, dealing with the lenders, solicitors and surveyors throughout the process, to make sure everything goes as smoothly as possible.
Moving Home
Looking for the best mortgage deal as an experienced property owner wishing to move home can be as daunting as buying your first home. There are so many things to organise and think about that we aim to make the mortgage process as straight forward and hassle free as possible.
We search out the best mortgage available from an unbeatable whole of market choice and provide you with an agreement in principal so you can begin looking for property with complete confidence.
When you are ready to buy, having made a successful offer for property, we will then handle all the complex paperwork, again working with the lender, solicitor and surveyor throughout the purchase to ensure you will only need to worry about packing!
Buy to Let Mortgage Advice
Whether you are a first time landlord or an experience landlord looking to increase your portfolio, we at AM Mortgages understand that in any commercial enterprise every penny counts when you are trying to make a profit.
We can offer specialist buy-to-let mortgage expertise around your needs and circumstances. We will find you the best deal and do the paperwork for you, deal with the lenders, solicitors and surveyors throughout the process – which saves you time and hassle.
Shared Equity/Shared ownership Mortgage Advice
To help buyers get onto the property ladder, many New Home Builders and Housing Associations now offer shared equity schemes, allowing more people to purchase their own home with only a 5% deposit.
At AM Mortgages, we’ll search the market for all shared equity and shared ownership mortgage products available and complete all of the paperwork with you. We’ll also deal with the lender, solicitor and surveyor throughout the process, to ensure your home purchase is completed as smoothly as possible.
New Build Mortgage Advice
There are so many great schemes and incentives, new home buyers are often overwhelmed by the number of options to choose from. That’s why it’s important to get impartial advice, making sure you are aware of all the choices made available from various builders.
At AM Mortgages, we’ll search the market for all new build schemes and products available to insure you get impartial advice. We complete all of the paperwork with you. We’ll also deal with the lender, solicitor and surveyor throughout the process, to ensure your home purchase is completed as smoothly as possible.
Right to Buy Mortgages
Are you a council tenant, or were you living in your home when the council transferred it to another landlord?
If yes, now might be the ideal time to think about buying your home.
From 6 April 2015 you could get a maximum discount of up to £77,900, or £103,900 if you live in London. This amount increases every year in April in line with consumer price index (CPI).
Source: righttobuy.gov.uk (March 2017)
At AM Mortgages, we’ll search the market for all right to buy deals and products available to insure you get impartial advice. We complete all of the paperwork with you. We’ll also deal with the lender, solicitor and surveyor throughout the process, to ensure your home purchase is completed as smoothly as possible.
Self-Employed and Contractors Mortgage Advice
As self-employed or contractor you may feel that your options are limited when it comes to applying for a mortgage. Typically there may be increased challenges when compared to those who are employed on a permanent basis, but it is still possible and it is important not to let those challenges prevent you from buying your first home.
At AM Mortgages we can help you overcome challenges that you may face. We offer whole of market mortgage advice and can even offer mortgage deals that are exclusively available through us. When it comes to mortgages for self-employed and contracts lender’s requirements vary so we make sure you find the best lender to match your personal circumstances.
Insurance and Protection
Whether you know what you are looking for or have never thought of protection before, at AM mortgages we will assess your needs and aspirations and make a tailor made recommendation. With so many options to choose from, protection can also be a personal preference and that’s why we pride ourselves of our professional, not pushy approach.
At AM mortgages, we search through a range of providers to provide you with the best value for money quote. These are the products we advise on:
Life Assurance (family and mortgage)
Income Protection
Accident, Sickness and Unemployment Cover
Business Protection
Landlord Insurance
Critical illness cover (family and mortgage)
Health Insurance
Family Income Benefit
Buildings and Contents Insurance