Mortgages
First Time Buyers
Buying a home is extremely exciting but it can also be a daunting and overwhelming experience for anyone, especially if you are a first time buyer.
You need to be confident that you have appropriate advice from the start and ongoing support throughout from fully trained professionals.
Laura Rickard Mortgages can potentially guide you through the entire process, taking care of everything and answering all your questions (we know you will have lots!) to ensure the journey is as smooth and stress-free as possible.
We will find the most suitable mortgage deal available to you. We will liaise with the lender, estate agent and solicitor on your behalf and will be with you throughout the application process until the day you get the keys to your first home!
Moving Home
Moving house is probably one of the most stressful things anyone will do in their lifetime but it can also be extremely exciting for all the family.
Whether you’re looking for more space, a forever home, to downsize or even to relocate the first thing you need to do is to ensure you can get the mortgage you need.
Laura Rickard Mortgages will assess your circumstances and provide you with an AIP/DIP (Agreement in Principle/Decision in Principle). This is what you need to provide the Estate Agents with before you can put in an offer on a property.
It may be years since you bought your first home therefore our knowledgeable and friendly team will potentially guide you through the entire process from start to finish, taking care of everything to ensure the journey is as smooth as possible.
Remortgage
Remortgaging is when you take out a new mortgage deal on your existing property and can be done for many reasons, firstly you may want to find yourself a better deal on your existing repayments or secondly to avoid switching onto a potentially higher standard variable rate when your current mortgage deal comes to an end.
Many homeowners also remortgage to consolidate any debts you may have or to raise extra money for home improvements.
Whatever reason you want to remortgage your home for, it is important you have suitable guidance and advice available to you.
Whether we arranged your first mortgage for you or not, Laura Rickard Mortgages can reassess your circumstances and search the market place to find you the most suitable new deal available whether that’s with your existing mortgage provider or a different lender.
Usually, the ideal time to look for a new deal is about 4-6 months before your existing deal is due to expire.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy to Let
The Buy-to-Let market is constantly growing due to the short term gains of an additional source of rental income and the long term benefits of property investment.
If you are looking to purchase your first rental property and have no idea where to start Laura Rickard Mortgages can potentially guide you through the entire process giving you the confidence to become a property landlord for the first time.
Or if you are an existing landlord looking to add to your property portfolio with a new purchase or you need to reassess your financial situation by Remortgaging multiple properties we will work with you to help manage your portfolio and grow your business.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.
We Can Also Potentially Help With:
- Shared Ownership
- Section 106 & Discounted Purchases
- Porting
- Product Transfers
- Holiday Let Purchase
- Holiday Let Remortgage
- Think carefully before securing other debts against your home
- As a mortgage is secured against your home or property, it could be repossessed if you do not keep up with the mortgage repayments