Tel: 07470 222413 info@surreyandcity.co.uk

Access to Over 80 Lenders and 1000’s of Products!

We have access to over 80 lenders and thousands of different products to choose from. We know that your mortgage is as individual as you are and therefore we will tailor make the right mortgage package for you. This will include a thorough fact find and a discussion around costs involved, how much you can borrow, repayment method, scheme and insurance.

Let us take the stress away…

Buying your first Home or moving house is an exciting time that can be made stressful by exploring a maze of rates, schemes and options to find the most suitable lender and product for your needs. Let us take that stress away, give us a call to have a chat. No pressure, no jargon just good quality advice.

Application • Valuation • Solicitors • Offer • Completion • Adviser for life

Government Schemes

If you have a small deposit or have been told you are unable to afford a “conventional” mortgage on your dream home, all is not lost. Below are government backed schemes that may help…

 

Help to Buy

Available to first timer buyers and existing home movers that want to buy a new build home  – Mainly beneficial for those with a small deposit. The government will provide an “equity loan” which is interest free for the first 5 years (up to 40%, dependant on location) as long as you can provide a minimum of a 5% deposit (of the listed purchase price)

Right to Buy/Acquire

A discount is provided by your council/housing association for tenants who qualify to buy their home. Usually a minimum of 3 years rental is required to qualify (this may be subject to change). This can aid in the purchase of your home as the discount can sometimes be used as your deposit.

 

Shared Ownership

Shared ownership allows you to purchase a share of a home from a landlord. A reduced amount of rent is then charged on the remaining share. In time you can “staircase” your ownership portion to eventually reach 100% of the value.

The process for these mortgages is often more  complex. Each of the schemes are subject to different limits and criteria. We will be happy to help you through this process. Please call us to discuss these further.

The Small Print

Our fees range from £199 to £499 depending on your individual circumstances and will never exceed 1% of the loan.  We will also receive commission from the lender.

As with all insurance policies, conditions and exclusions will apply.

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