Find a Mortgage... Find the Best Deals on Mortgages
in the UK
We offer various types of mortgages, including mortgages for
First Time Buyers (FTB), second homes as well as remortgages.
We have access to the latest offerings from all major UK lenders
and using our advanced skills in researching the market we can
find the best deals available.
Most mortgage schemes offered today come with an initial incentivised
rate. A two year discount or a three year fixed rate for example.
Here at The Finance Doctor, we track our client’s mortgages
for them so that as soon as the initial rate is over, we can
pro-actively switch our clients to the next market leading scheme,
specially designed for their individual circumstances.
Our professional mortgage advisors gain a detailed understanding
of our client’s financial position and aspirations and
together with this information and their experience and knowledge
they can give the most appropriate advice on the most competitive
mortgage and remortgage deals in the market, some of which are
exclusive to us and not available to the client directly.
If you are new to the property world, we will hold your hand
through the process and can even offer recommendations on solicitors
and how the process takes place.
There has never been a time where there has been such choice
and diversity in the mortgage market. Whether it is a flexible,
cashback, self-certified, non-status, fixed, capped, stepped,
discounted, tracker, we offer them all. However
the difficult part is deciding how to make the right decision. With
so many products available and all explained in industry jargon
we aim to make the process simple, easy and stress free. We follow
the Financial Services Authority (FSA) guidelines on Treating
Customers Fairly, which specifically sets out to put all of the
details into plain English and explain it in a way which is simple
to understand.
Please
select the type of mortgage you require below to be taken to
appropriate area. If at any time you are unsure of what is best
or most appropriate for you we are more than happy to give advice, click
here if you would like to contact us.
| Mainstream Mortgages |
These include the major High Street Banks and Building
Societies most competitive schemes. When dealing with our
client’s we will assess their needs to ascertain the
most suitable scheme and the most suitable terms to make
the borrowing most effective and affordable.
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| Self Certified Mortgages |
This is a mortgage specifically designed
for individuals who may have difficulty in proving their
income to a lender. It may be that the income is derived
from various sources and to obtain the necessary proof
is difficult. It may be that a person is self employed
and has not had the necessary accounts made yet. There
are a whole range of reasons why a person may not be in
a position to prove their income and yet they know that
a mortgage is affordable. This is where a self certified
mortgage would be the ideal solution. It is where the lender
will consider a mortgage application for our client’s
on the basis that income proof is NOT required and where
the client self declares their income. These mortgages
are available up to 90% of the purchase price.
more>> |
| Buy To Let Mortgages |
This mortgage is designed for the property investor
who wishes to purchase property for the purposes of letting
it out to a tenant in return for an additional income.
The buy to let market is extremely competitive and finding
the right product can be difficult. The lenders generally
require the rental income to cover the mortgage payment
by a certain percentage and most schemes are only available
to 85% of the purchase price.
more>> |
| Right to Buy Mortgages |
This mortgage is only available to
those individuals who currently live in council owned properties
as tenants and have been given the “right to buy” their
house or home from the council with an incentivised discount.
This can be difficult for those who live in high rise council
blocks for example, because most lenders will not lend
on that type of property. We however deal with specialist
lenders who will lend on high rise blocks and to clients
who may have incurred some adverse credit. We can very
often arrange a loan of over the discounted purchase price
for home improvements and even debt consolidation.
more>> |
| Adverse Credit Mortgages |
We understand that their may be times
when people get into financial difficulty. Where clients
may have missed loan and credit card payments, received
county court judgements (ccj’s) , defaults, mortgage
arrears, previous IVA’s
(individual voluntary arrangements) or bankruptcies or
repossessions, High Street banks and building societies
will generally decline a mortgage for those with these
circumstances. Here at The Finance Doctor we specialise
in arranging mortgages and loans for clients with any of
the above on competitive terms with specialist lenders
in the UK with a view to repairing our client’s
credit rating over a period of time and aim to get them
back to a high street rate as soon as possible.
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| Mortgages Abroad |
We can assist our clients to obtain mortgage finance
on properties within Europe and parts of the United States.
This could either be as an investment alternative to a
buy to let in the UK, or simply as a holiday home abroad.
Generally a 30% deposit is required on mortgages secured
on foreign property.
more>> |
| Non Standard Construction
Property Mortgages |
There are times when lenders will decline a mortgage
not on the basis of the client’s circumstances, but
purely because the lender does not like to lend on a specific
property construction. These can include properties that
are steel or timber framed, or properties that are on a
defective housing list such as pre-fabricated properties.
We deal with lenders in the non-conforming market who WILL
look at these types of properties subject to a satisfactory
valuation report.
more>> |
Please Note: The
overall cost for comparison is 7.7% APR. The actual rate
available will depend upon your circumstances. Please ask
for a personalised illustration. There will be a fee for
mortgage advice. The precise amount will depend upon your
circumstances but we estimate that it will be no more than
1.5% of the loan amount. Think carefully before securing
other debts against your home. Your home may be repossessed
if you do not keep up repayments on your mortgage or other
loan secured on it.
The Finance Doctor is a trading name of
Active Loan and Mortgage Services Ltd who is an appointed
representative of Genesis Home Loans plc, which is authorised
and regulated by the Financial Services Authority for the
conduct of non-investment insurance and mortgage business.
Second charges, commercial loans and buy-to-let mortgages
(where the resident is not related to the borrower) are
not subject to Financial Services Authority regulations.
Genesis Home Loans Plc can be found on the FSA register
()
under reference 305920.
The information on this website is subject
to the UK regulatory regime and is therefore targeted at
consumers based in the UK. |
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