Open & Honest
Mortgage Advice in Croydon

Going into the mortgage process as a first time buyer in London & Croydon can feel like you're going into the unknown with some complicated and sometimes stressful parts. We understand this, which is why we always make clients who are in the process for the first feel reassured and calm. Your dedicated Mortgage Advisor in Croydon will be by your side every step of the way and answer of your questions.

For those who calculate the amount you can borrow, our advisors are more than pleased to help with this. Our affordability calculator can provide an accurate amount. As well as this, they will also sort out an agreement in principle for you usually within 24 hours of your free mortgage appointment. When it comes to making an offer on the property, it will be helpful to have this with you.

The process of moving home in London & Croydon will involve you having to buy a home whilst selling one at the same time, which makes the process renowned for being the most stressful in your life. We always strive to make the moving journey as stress-free as possible by sorting out all aspects of the mortgage so you can focus on the move itself!

We provide clear and transparent mortgage advice in London & Croydon from the initial point of contact all the way to obtaining the keys to their dream home, making sure you are well-informed throughout.

When you take out our first mortgage, there is a high chance that you took out the product on a fixed short term. There is an option to take out longer terms, however, many take out a term between 2-5 years. When you come towards the end of this fixed term, you'll need to start exploring your options for remortgaging to take out another product with a new fixed term.

We have access to a large panel of lenders meaning our remortgage advisors in Croydon will be able to search 1000s of remortgage deals on your behalf. You may find that they discover a rate that is more competitive than your current one.

Get in touch with our team if you are looking for remortgage advice in London & Croydon , we offer knowledge and support with a variety of remortgage routes like home improvements, debt consolidation, equity release and bad credit.

Our team have extensive experience helping many budding and current landlords in Croydon who are looking to build their property portfolio with a buy to let mortgage in London & Croydon.

We have buy to let advisors at Londonmoneyman who has built close relationships with local landlords over the years. We have helped them with their new buy to let purchases with many getting in touch for a second time to help them with their remortgages on their properties. If you are looking to acheive your investment goals, get in touch with our team today.

For those looking to purchase a property, you may find a Help to Buy beneficial.

There a large range of Help to Buy Mortgages in London & Croydon available such as the Shared Ownership scheme, First Home schemes and 95% Mortgage Guarantee Scheme.

Those who are looking to self employed mortgages in London & Croydon as a self employed applicant may find the process difficult. Aspects of the process that can make it difficult include the strict lending criteria as well as the amount of evidence that you have to provide to get accepted by your lender. Our mortgage advisors have a brilliant reputation of assisting many self employed applicants have rich knowledge of self employed lending criteria.

You are under the self employed category if you own more than 20-25% of your business. One of the requirements to get a mortgage as a self employed applicant, you need to have been trading for at least two years. This is because lenders will normally want information from you based on these two years.

In the situation that you live in a rental property that's owned by the local authority (either the council or a local housing association), you may qualify for the right to buy mortgage advice in London & Croydon . You will need to see if you are able to pass the requirements.

With this scheme, you could be able to purchase your property at a discounted price depending on the length of time you have been living in the property as well as the value of it. Potentially, the discount would cover your deposit for the property meaning you may not need to put one down. Depending on the lender, you may still require a small deposit to make sure you can afford a mortgage and your monthly payments.