Residential Mortgages
Residential mortgages include First Time Buyers, Homemovers and Remortgage clients. Perhaps you wish to borrow extra funds for home improvements or want to buy that larger house in the country. At A Mortgage Surprise we aim not only to provide you with the best possible mortgage advice, but also to provide you with guidance and support throughout your transaction. With a huge range of mortgage products available in an increasingly complicated market we aim to take the hassle out of finding a mortgage for you. Complete the mortgage and we share the commission with you, it really is that simple.
Adverse Credit
Sometimes your credit history can be less than perfect. Some people get into bad debt through no fault of their own. Unforeseen events can have a devastating impact on our finances, for eg redundancy. Fortunately there are a wide range of lenders who are providing mortgages in this market often referred to as sub prime lending. It is important to note that you will pay a higher interest rate if you fall into this category. Our mortgage professionals can source the best mortgage options and advise on how you can improve your credit rating for the future.
Self Certification Mortgage
A Self Certification mortgage is a mortgage in which you are able to declare your income without providing substantial proof . A Self Cert mortgage may be appropriate in circumstances where you have difficulty providing 2 or 3 yrs accounts as required by most mortgage companies. You may have only recently become self employed, or have multiple jobs with various sources of income. This type of mortgage may also suit contract or seasonal workers.
Buy to let mortgages
A Buy to let mortgages relies mainly on the rental income, which can be achieved from letting the property out to tenants. The mortgage company will then lend in relation to the rental income and many will not ask for any proof of personal income. Generally the rent needs to cover the interest mortgage payments by 125-130%. The maximum loan is also capped at 85%, therefore a deposit of 15% of purchase price is required. Not all lenders are restricted by the rental cap and income based buy to let options are available.
Overseas Mortgage
A Mortgage Surprise can also advise and process your mortgage for the following countries, France, Italy, Spain, Portugal. The European mortgage market is every bit as diverse and complicated as that in the UK. Factor in a language barrier and the complications can become much greater. Whether you are purchasing a new property or wish to remortgage an existing overseas property contact A Mortgage Surprise for advice and a competitive quote.
Residential mortgages include First Time Buyers, Homemovers and Remortgage clients. Perhaps you wish to borrow extra funds for home improvements or want to buy that larger house in the country. At A Mortgage Surprise we aim not only to provide you with the best possible mortgage advice, but also to provide you with guidance and support throughout your transaction. With a huge range of mortgage products available in an increasingly complicated market we aim to take the hassle out of finding a mortgage for you. Complete the mortgage and we share the commission with you, it really is that simple.
Adverse Credit
Sometimes your credit history can be less than perfect. Some people get into bad debt through no fault of their own. Unforeseen events can have a devastating impact on our finances, for eg redundancy. Fortunately there are a wide range of lenders who are providing mortgages in this market often referred to as sub prime lending. It is important to note that you will pay a higher interest rate if you fall into this category. Our mortgage professionals can source the best mortgage options and advise on how you can improve your credit rating for the future.
Self Certification Mortgage
A Self Certification mortgage is a mortgage in which you are able to declare your income without providing substantial proof . A Self Cert mortgage may be appropriate in circumstances where you have difficulty providing 2 or 3 yrs accounts as required by most mortgage companies. You may have only recently become self employed, or have multiple jobs with various sources of income. This type of mortgage may also suit contract or seasonal workers.
Buy to let mortgages
A Buy to let mortgages relies mainly on the rental income, which can be achieved from letting the property out to tenants. The mortgage company will then lend in relation to the rental income and many will not ask for any proof of personal income. Generally the rent needs to cover the interest mortgage payments by 125-130%. The maximum loan is also capped at 85%, therefore a deposit of 15% of purchase price is required. Not all lenders are restricted by the rental cap and income based buy to let options are available.
Overseas Mortgage
A Mortgage Surprise can also advise and process your mortgage for the following countries, France, Italy, Spain, Portugal. The European mortgage market is every bit as diverse and complicated as that in the UK. Factor in a language barrier and the complications can become much greater. Whether you are purchasing a new property or wish to remortgage an existing overseas property contact A Mortgage Surprise for advice and a competitive quote.