Mortgages

It’s likely that a mortgage is the most significant commitment financially that you will make in your life. (Unless, of course, you have a serious supercar hobby!). It’s probably a relationship you’ll have for a good 25 years, so you need to make sure it’s the right one for you. 

At Holme Mortgages, we are all about doing the right thing. We work with many lenders, whole of market for first charge mortgages in fact, which means we are not biased towards any particular lender in our panel, which is great news for you. Whether you’re a First Time Buyer, you need to raise some Capital via a Re-mortgage, or perhaps you’re building a portfolio and need help with a Buy To Let mortgage, then we can help. 

We will make your mortgage journey as stress-free and as seamless a process as possible and either help you get on the ladder or moving up it! 

Your property may be repossessed if you do not keep up repayments on your mortgage

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

First Time Buyer Mortgage

If you’re a first-time buyer, then it’s likely that you’re already saving for a deposit in a bid to get onto the ladder. We can help. There’s lots of help available out there for first-time buyers, so let’s get started. We have tried to answer a few of the most commonly asked questions below for you, but you undoubtedly will have many more, so please do get in touch. 

Home Movers

As the title suggests, you are a home mover if you already have a mortgage and are planning on moving to a new property. Moving home is pretty exciting but can be pretty stressful too, so we’re here to help and make sure you find the right mortgage. Typically, a home mover mortgage is for when you’re moving to a bigger home. 

Buy To Let Mortgages

Want to secure your financial future with property? Good move! It can be overwhelming trying to find the best rates for a buy to let mortgage whether you’re a seasoned investor or just starting out. So, whether you’re getting on the ladder, or moving up it, we’ll make your journey as stress-free as possible.

Remortgages and Product Transfers

Remortgaging can involve moving your existing mortgage on your current property from one lender to another. This new mortgage will then replace your old one. It might be worth considering remortgaging when you come to the end of a fixed rate, as a new lender may offer a better deal. Product Transfers occur when you keep your mortgage with your current lender but the product may change.

Capital Raising

If you’re looking to consolidate debts, buy a new car, pay for a wedding, a new kitchen, in fact pretty much anything, if you have equity in your home, then you can apply for a remortgage, which is also known as capital raising. All without moving home! 

It’s a bit like giving yourself a bonus. Releasing some cash from your house might just help you live a little better or go on that well-deserved holiday you’ve dreamed of. 

Don’t forget, though, that by remortgaging or raising capital, it does mean that you’re essentially adding to the term of the loan, which means you’ll be paying more in the long run for perhaps a short term amount of pleasure. 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Green Mortgages

As you might expect, a green mortgage is specifically for green buildings. Provided as an incentive for the homeowner to either buy a green building or to adapt an existing home to make it greener, by way of energy-efficient improvements, for example. At Holme mortgages, we can strive to help you find the right green mortgage for you.  

Specialist Mortgages

If you’re in the market for a more ‘non-vanilla’ mortgage, or shall we say, specialist or adverse mortgage, then you’ve come to the right place. Specialist mortgages are available to those who need an alternative solution or perhaps unable to meet the usual lending criteria that regular mortgage lenders set. This is when a mortgage advisor like ourselves can be instrumental. We have access to the whole of market for first charge mortgages and depending upon your criteria, we will know exactly which lender to approach! 

Holiday Lets

So you’ve decided to purchase a holiday let home and are now wondering about the best holiday let mortgage? It’s a great way to introduce additional income into your household, but what now?  

Commercial Mortgages

Also sometimes known as a Business mortgage, the commercial mortgage is used as a medium to long term loan to fund the purchase of business premises or to buy an existing business. For a more significant amount, the lender will need security so as to reduce risk.

Commercial mortgages are not regulated by the Financial Conduct Authority.