Mortgages

Head Of Mortgages
Richard Tunney

07597 063 810
richard@tpcmortgages.co.uk

Please feel free to reach out to me at anytime.

 Residential Mortgages

We will help you find a mortgage best suited to your needs. Whether it’s your first home, you’re moving home or you’re coming to the end of your fixed rate, we have a product ready for your requirements.

Refinance/Remortgage

If you are looking to replace your existing mortgage due to your fixed term coming to an end or simply just changing lender for a more competitive interest rate, or whether you are looking to borrow money against your property, we are here to help.

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

Buy To Let Mortgages

If you’re looking to invest your money into property, whether it’s in your personal name or a limited company, we have a vast array of lenders at our fingertips with great products to suit your investment path. 

The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage

Credit Score

When taking out a mortgage, your credit is a huge contributing factor whether the lender will be willing to lend to you. Keeping on top of your monthly payments is imperative and will help to avoid issues throughout the application process. 

Affordability

As a potential borrower, lenders will carry out an affordability check on you to ensure you can afford to keep up with the monthly mortgage repayments. They will take into account your earnings and your out goings to ensure you have enough money to meet the payments. 

The Property

Lenders will do their own due diligence on the property, including a valuation, whether that be an in person site visit, or a desk top valuation. This is to ensure the property is worth what you are purchasing it for. This will determine how much the lenders are willing to lend against the property and what ‘loan to value’ percentage they will offer.

We are experts in Mortgages and Protection. Contact our mortgage team to see how we can help you.