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If you are looking to move then speak to one of our experienced Advisers first so you can establish your current circumstances with your future requirements to ensure you are able to move to the property you have dreamt about.
Our Advisers have links to local Estate Agents to help make an appraisal and market your property if needed which will establish how much deposit you have to move to a new property.
We will calculate the costs of selling your current property (estate agent fees, solicitor fees, moving costs etc) in addition to the costs of buying a new property (stamp duty, solicitor fees, etc) to establish your budget moving forward. Your adviser will be able to research the whole market including exclusive rates to find the best mortgage deal for you.
Even if you are tied into your current mortgage lender we can help to port this mortgage across to a new property and take a top up if needed.
Your advisor will help you with every step to fund our new purchase.
Getting a mortgage for the first time can be daunting about how much you can borrow, the process and the best product for your scenario.
As a First Time Buyer you will have lots of questions and your Helping Hand Adviser will take you through the whole process from start to finish offering support and guidance to ensure your first house buying experience is as smooth as possible. We will discuss affordability and budgets so you can establish how much you can borrow discussing all ongoing costs such as household bills, insurances, and other costs involved with home ownership. This is followed up by obtaining an agreement in principle to give you confidence when looking at a new home and putting an offer forward.
Our advisers have been helping First Time Buyers for the last 20 years offering honest and transparent advice to get you the best mortgage we can with affordable associated products to meet your monthly budget
A remortgage is the process to arrange a new mortgage on a property that you already own. This may be to simply clear the existing mortgage to obtain a new deal to avoid going onto a higher standard variable rate or to take the opportunity for the above reasons
Helping Hand Advisers are independent and will establish your needs and requirements.
If you approach your own bank they can only advise you on their own deals where our Advisers have rates and products available from the whole of the market including exclusive deals you will not get from some lenders directly.
We the compare offers across the market to find the best possible deal and solution tailored for your needs and requirements. This will also include what your current provider has to offer matched to other deals and products from other lenders.
Once an option is agreed we will deal with the whole application process from start to finish for you.
A Buy To Let is a property purchased with the intention of renting it out to tenants to have an income or an investment for future capital growth. The rules have evolved substantially in recent years with increased taxes and greater regulation and therefore obtaining the correct advice from an experienced Helping Hand Adviser in this complicated market is pivotal before looking to invest further.
Unlike a traditional mortgage assessed on affordability a Buy To Let mortgage is largely assessed on the rental income that will be achieved on the property. Some lenders may include earned income too but depends on the Lender and their risk policies.
Normally you will need at least 25% to 20% as a deposit. They will allow you to take the mortgage on an interest only basis to keep the mortgage payments to a minimum to maximise the rental income as profit.
Please note the stamp duty rules have changed when purchasing a buy to let property “we will discuss this further with you”
Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.
Helping Hand Mortgages is entered on the FCA register under reference 988645 and Companies House reference 14513883.
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Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.
Helping Hand Mortgages Ltd is entered on the FCA register under reference 988645
Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.
Helping Hand Mortgages Ltd is entered on the FCA register under reference 988645
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Yes, you can still get a mortgage if you have had Pay Day Loans in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
High Street Lenders do not mortgage like to see pay day loans on a credit file or bank statement as indicates to them of financial difficulties in the past or currently as short term finance to manage current repayments.
It will depend on certain criteria based on the Pay Day Loans showing as registered such as:
When the loan taken out
How much was borrowed
How many loans taken out
How quickly they were paid off
The story behind why you needed to take the loans
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Yes, you can still get a mortgage if you have a low credit score or no credit score. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
High Street lenders are dealing with a high volume of cases each day so will credit score each application and if you do not meet that credit score then will decline the application on that basis alone. It is a computer says no situation with no appeal.
We will check with lenders who manually check your credit file so not dealing with a computer to find the best solution for you.
Yes, you can still get a mortgage if you have been Repossessed in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
It will depend on certain criteria based on the Repossession such as:
The date you were repossessed
The reason why you were repossessed
Any other credit issues
You credit history since being repossessed
Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.
Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.
We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.
Yes, you can still get a mortgage if you have had late and/or missed payments on credit. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.
Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.
We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.
Yes, you can still get a mortgage if you have been in an IVA in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.
Yes you can still get a mortgage if you have a Debt Management Plan or been in one in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
With a Debt Management Plan you would be in an arrangement via a company like StepChange and be paying a lower amount to the people you owe over a longer period of time. This can affect your credit file as the people you owe money to will normally report it as an arrangement on your credit file, in some circumstances it may be reported as a Default.
Even if you are withing a Debt Management Plan there are specialist lenders who will still lend to you based on the payment history of the plan.
Yes you can still get a mortgage if you have been bankrupt in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
We would need to understand the reasons that led the Bankruptcy, how long ago it was and the impact that had on your credit file.
You can still get a mortgage with a Default. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
Some of these lenders will ignore small Default’s if registered by a mobile phone company or other communication companies.
It will depend on certain criteria based on the Default’s showing as registered such as:
When they were registered
If satisfied or unsatisfied
The value of the Defaults
The number of Defaults
The story behind the circumstances
You can still get a mortgage with a CCJ. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.
It will depend on certain criteria based on the CCJ’s showing as registered such as:
When they were registered
If satisfied or unsatisfied
The value of the CCJ’s
The number of CCJ’s
The story behind the circumstances