Mortgages
Keynote Mortgages are here to help you choose the right type of mortgage for your needs; we offer an initial ‘no obligation’ mortgage consultation FREE.
We start the process by discussing your personal finances with a view to mortgage affordability and then we actively search the whole mortgage marketplace to find the best types of mortgage suited to your budget.
We will do all of the searching for you, so there’s no need for you to trawl the internet -answering the same questions posed by each individual building society or lender.
Over many years, we have been able to build strong relationships with a full array of reputable mortgage providers, and we use those relationships and industry knowledge to find and compare deals and rates that would be suitable and available to you.
We cover every aspect, so rest assured that we will find you the best deals whether you are a first time buyer, moving house, re-mortgaging, or buying-to-let. Whether we would recommend a fixed or variable rate deal would depend on market conditions and your own financial position, such as your disposable income and attitude to risk.
First Time Buyer
Don’t know how to find the right mortgage? then talk to the Keynote team and let us help you realise your dream of owning your first home.
We understand that making your first property purchase is possibly one of the biggest decisions you will ever make.
Let us find you the best mortgage solution and help you through your home buying journey.
Next Time Buyer
Thinking about moving to a larger property? Is it time to expand your horizons, let our advisers help you find the right mortgage for that bigger dream property.
Keynote can help with selling you current home, negotiate for your next purchase and help with budgeting to ensure you have the necessary funds to complete the purchase of your new home
Self-Employed
Being self employed can sometimes make finding and obtaining a mortgage more difficult!
KeyNote will work with you to understand your needs and provide expert advice on the right approach to any suitable lenders.
Having sourced the best options we’ll then approach those lenders on your behalf – making your search just that bit easier.
Remortgage
Why re-mortgage? … there are several reasons and here’s just a few:-
- to find a better mortgage rate
- to consolidate a debt
- to fund home improvements
- to release money to purchase a BTL (Buy-to-Let) as an investment
Whatever your reason for re-mortgaging, our expert advisers will be able to help.
Adverse Credit
Are you experiencing difficulty in finding a reputable mortgage provider due to poor credit? Poor ratings may be due to a low credit score, previous late payments, defaults or a county court judgement.
Any of the above situations can make a mortgage search seem impossible!
The KeyNote team will listen, give you practical advice and try our very best to find a suitable reputable provider.
Buy to Let
If it’s a mortgage for investment purposes i.e., ‘buy-to-let’ or multiple properties etc., then we can also assist
Buy-to-let can be a good way to invest your money, provide you with a passive income or grow a pension pot for later years, but it is very different to buying a property for your own use, so let us guide you through and help you achieve your investment goals.
Shared Ownership
Buying a part-share (or a percentage) of a property is another route to home ownership – and is usually offered through a Housing Association.
Part ownership involves the buyer obtaining a mortgage for the part share of the property (usually between 30% and 50% of the property value – sometimes more).
Unlike full ownership, you will also need to consider that the remaining value of the property usually incurs a monthly rental charge from the Association plus other ongoing costs such as ground maintenance fees!
If needed, we’ll be happy to help you explore this route and the associated costs. We will also be happy to find the most suitable mortgage deals for your part-ownership needs.
Help to Buy
If you have managed to save a 5% deposit for your new home, ‘Help to Buy’ is a government scheme which helps a potential buyer onto the housing ladder.
The current scheme will lend up to a further 20-40% of the cost of the proposed property and the remainder would be paid via a mortgage.
The government loan is interest free for the first 5 years, but is restricted to a maximum purchase price.
In year 6, interest charges on the Government portion will commence and will increase every year thereafter so you will probably need to take the opportunity to revisit the mortgage arrangements at that time.
Keynote can advise you on the best way forward with the ‘Help to Buy’ scheme.
Commercial Mortgages
We have strong relationships with Commercial mortgage providers and we would be happy to refer you to these reputable providers who will be happy to help you find the right Commercial mortgage for your purpose.
To request assistance with a mortgage quote, please just give us a call on: 01782 390729 / 07917 473151 or email us (quick links provided below) and we’ll be happy to assist.