We can help!
The initial question of to buy or not to buy is generally followed immediately by a dozen other questions, when all you really want to do is speak to someone to get some information in plain English.
Questions around the process, affordability, deposits, eligibility, problems in the past... the list is endless.
Or maybe you've contacted your current mortgage provider to explore whether you can raise some extra cash from the value in your property, and found that you now don't fit their lending criteria any more or their rates are way too high.
A WIDE RANGE OF MORTGAGE SOLUTIONS
Whether you are looking for a new home, first home or want to switch to a better deal, then getting the right information is invaluable. We have a straightforward, practical approach and will find you the best deal based on your circumstances.
At Cirencester Mortgage Co. we understand that every mortgage is going to be different due to your personal circumstances, so we are able to offer a huge range of mortgage solutions...
Home Mover Mortgages
Lenders can only offer you one of their own mortgage products. With access to a wide range, with many high street and specialist lenders, we can find the right deal for you at a competitive rate.
Of course you can trawl the Internet yourself for a good deal. However will you be eligible for it?
At Cirencester Mortgage Co., our job is to recommend a lender that provides the very best fit for your needs and individual circumstances.
Buy To Let Mortgages
Are you a would-be landlord, expanding or wanting a better deal for your portfolio?
With more lenders wanting a slice of this type of business, there are great deals to be had!
We have first hand mortgage experience in this market, and can advise on starting out or maximising your return.
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.
Shared Ownership Mortgages
There are various shared ownership schemes available, but criteria and lenders vary.
If you are exploring these avenues, then getting information is key - and getting the right information is a must.
Websites can be confusing and create more questions than they answer.
We are recognised shared ownership assessors and really big fans of these schemes - which are still often misunderstood.
Don’t be confused! Chat to us and get the facts.
First Time Buyer Mortgages
With so many schemes and types of mortgages available, if there is ever a time to get it right - it's at the start.
Now that 95% mortgages are more widely available, there is even more opportunity to get on the property ladder and buy your first home.
We will be with you every step of the way, offering invaluable practical advice and a wealth of experience.
Remortgages
Do the mortgage move! With lending rates still at an all time low there are some cracking deals around.
Coming to the end of a fixed deal or don't feel you would be eligible? Don't just stick on your current provider's variable rate.
A simple enquiry could save you hundreds of pounds.
If you don't ask, you may never know!
Equity Right to Buy Schemes
There are various Right To Buy schemes available, but criteria and lenders vary. If you are exploring this avenue then getting information is key - and getting the right information is a must.
Websites can be confusing and create more questions than they answer.
If you have been offered a Right To Buy scheme but don't know whether it's right for you or how to proceed, then give us a call or drop us a line and we'll be glad to help.
We also offer Specialist Lending such as Self Employed Mortgages and Credit Repair Mortgages, as well as Housing Schemes such as Shared Ownership.
