Mortgages

The mortgage market is a complex area. At any one time, there may be over 3000 different mortgage options, only some of which will meet your needs. Lowndes Halsden is impartial and has access to deals from the ’Whole of Market’. Our expert mortgage advisers possess extensive product knowledge, and we have no allegiance to an estate agent or vendor you are buying from or through. A mortgage can be one of the biggest financial commitments a person will make, so we utilise cutting-edge technology and thoroughly explore all mortgage options to deliver professional advice and secure the most suitable mortgage deal.

As part of our service, we simplify the process by applying for a mortgage on your behalf and then tracking the case until the mortgage offer is issued. We will then guide you through to completion using a solicitor, if applicable. We will support you throughout each stage and help guide you through the paperwork to make the process more straightforward and less stressful.

We can help with:-

First Time Buyers

Buying your first home is one of the most exciting and significant milestones in life. However, it can also be confusing, especially if you’re unsure where to begin. Whether you are moving out of your family home or moving in with a partner, buying your first home and getting on the property ladder is a big step and can be daunting. Our experienced advisers can guide you through everything you need to know with minimal stress. We will be with you every step of the way and hold your hand until you get the keys to your new home.

Our advisers will explain the lenders’ income requirements and affordability as well as what deposit you may need. They will also guide you through possible Government schemes, if you have a low credit score and what other costs you should budget for, such as solicitor and conveyancing fees, valuation and survey costs, mortgage arrangement or booking fees, Stamp Duty or Land Tax and Removal/moving costs. We’ll help you understand these costs upfront so there are no surprises later.

Remortgaging

Get the best residential mortgage deals available in the UK, with expert advice, advanced technology and support from our experienced advisers. We will guide you through the process because we understand how important a decision like securing the right mortgage is for a property you already own or a buy-to-let property.

All your mortgage goals will be explored, and all the options available to you will be discussed, including raising money for home improvements, reducing any unsecured debt or a straightforward ‘like for like’ remortgage. Sometimes, staying with your existing lender but taking out a new product is the correct advice for you. In these circumstances, we will recommend what’s called a Product Transfer or Rate Switch. If you’re looking to release equity from your home, we’ll consider the entire market, including staying with your existing lender and raising money through them. This is referred to as a ‘Further Advance’.

Home Movers

Moving house can be stressful, whether you’re moving to a larger home or downsizing. It could have been years since you moved, and things in the property and mortgage markets constantly change. We are here to minimise the stress and help you throughout the process. When formulating our advice, we will take into consideration various factors, including porting, early repayment charges, legal fees, land tax, stamp duty, solicitors’ costs, and valuation fees, among others.

Buy To Let & Holiday Let

Minimise the time and cost of getting a buy-to-let mortgage with our in-depth knowledge of the current market and extensive mortgage options.

We’ve helped create landlords and assisted experienced landlords in growing their portfolios. We will assess your circumstances and understand your goals, then make a personalised plan for your mortgage. We can even provide you with advice on properties before you submit an offer.

There are various types of buy-to-let mortgages. Those where you intend to rent it out on a traditional tenancy agreement, to holiday lets and Houses of Multiple Occupancy (HMO).

The buy to let market in the UK is constantly evolving and changing. This means it’s vital that you have an experienced broker on your side to keep up to date with all the lender criteria changes and find you the best deal, which brings you the best return on your investment.

You can book an appointment with us to explore your options, which will be free of charge and with no obligation. We can learn about your circumstances and develop a bespoke plan, as we understand that no two clients are the same. We tailor our advice to your individual requirements.

‘Your home may be repossessed if you do not keep up repayments on your mortgage’