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We offer expert advice and guidance throughout the process, but we also have access to the whole market so we can help you secure the best deal.
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If you’re not a UK citizen but have permission to live or work in the UK, such as through visa or immigration status, you’re considered a foreign national.
Many lenders offer mortgage solutions specifically tailored for foreign nationals. The mortgages themselves operate in a similar way to standard UK mortgages. However, lenders view foreign nationals as higher risk borrowers due to factors like visa status and limitations on terms of residence. The criteria for obtaining a mortgage, therefore, tend to be stricter. This can make the options and the application process more challenging to navigate.
Our experienced advisors are here to support you. They will take the time to understand your situation, collect the necessary documents then conduct comprehensive market research. They’ll compare options available on the high street with exclusive deals from specialist lenders, then recommend the most suitable product. They will also guide you through every step and provide ongoing support to help navigate any challenges that arise.
Whether you want to borrow more for home improvements, buy a new car or clear debts, it’s important to understand the risks and the potential long term impact on your finances.
Borrowing extra money on your mortgage may seem like an easy way to keep your monthly outgoings down, but it’s rarely the cheapest way to borrow money. If you’re able to, it’s preferable to save and budget for purchases or to repay debts.
There are, however, circumstances where consolidating debts to a mortgage may be the most suitable option – if you need to reduce your monthly outgoings and you’ve considered the alternatives.
Our advisors will take the time to fully understand your circumstances and provide you with a debt consolidation report, putting you in an informed position. If at this stage you decide to proceed, then our advisor will help find the most appropriate solution.
Visit Citizens Advice for information on dealing with debts and help that may be available.
Additional borrowing increases the total amount you owe on your property.
You borrow extra money by increasing the amount of your existing mortgage, either with your existing lender or by re-mortgaging. It’s used to finance a wide range of significant expenses, most commonly home improvements or raising a deposit for a second property.
A further advance is another option – it’s an additional loan taken out on top of your current mortgage with your existing mortgage lender.
Our advisors will compare all the options, weighing up the benefits, features and risks of each, then explain their recommendation to you.
Bridging Loans are a short-term financing solution designed to bridge the gap between an immediate financial need and the availability of longer-term funding. Bridging finance can be accessed by residential buyers, landlords, developers or business owners.
It’s common to apply for bridging finance to avoid a property chain break – to allow you to complete on the purchase of new property before the sale of your existing property completes.
You’ll usually have to pay off a Bridging Loan within 12 months. They’re designed to be paid off as soon as your longer-term funds are available.
As well as being a short-term solution, in most cases this type of finance is quick to arrange.
With lots of experience and access to all the lenders, our expert advisors can help you secure the funds you need. They’ll explain the risks, talk you through your exit plan and ensure you’re fully informed before deciding to proceed.
Our advisors will work quickly and efficiently, to make the transaction as smooth as possible with minimal disruption.
A poor credit score can be the result of things like late or missed payments of bills, a County Court Judgement (CCJ) or just because of the number of times you’ve applied for credit within a short period of time.
Your score may also be low, simply because you’ve never taken out any credit before and therefore there is no history. There are ways to improve your chances of being approved for a mortgage, which we can help with.
If you’ve had an application declined by a lender, it’s best not to apply to another lender without seeking expert advice, as each application may negatively impact your credit score.
Our experienced mortgage brokers will look at the whole of the market, including specialist lenders – known as Sub-prime lenders. They’re familiar with lenders’ varying criteria and will be able to advise you which are most likely to consider your application, based upon your circumstances.
There’s quite a lot of variation in the way that different lenders assess contractor income and a perception it’s more difficult to get a mortgage if you are in this position.
Whilst the process can be more complicated, and there may be extra hoops to jump through, there is no shortage of options in the mortgage market. Our advisors are very experienced at navigating these options to find the best deal available to you. They’ll take the time to understand your circumstances and will know which lenders to approach, so they can successfully guide you through the process.
There’s quite a lot of variation in the way that different lenders assess self-employed income and a perception it’s more difficult to get a mortgage if you are in this position.
Self-build projects require meticulous planning, a comprehensive budget and the right funding plan.
There are specialist mortgages available to help purchase land and fund the construction of your planned build. Self-Build Mortgages are designed to help you, whether you intend to manage your own project or you’ve outsourced to a contractor. These mortgages may also be available for significant renovation projects, which don’t qualify for a standard mortgage.
Self-Build Mortgage lenders tend to offer more flexible products, tailored to your specific needs. It’s common for these lenders to agree the financing of a build based on a staged funding plan. This means a project’s value is assessed at agreed stages to trigger the release of further funds.
Our expert advisors will find you the best option for your project, so you can build your dream home.
If you have UK citizenship but are currently living outside the UK, you’re considered to be a UK expatriate (an ‘expat’). But Expat Mortgages aren’t just for expats. If you live overseas but aren’t a UK expat or a UK national an Expat Mortgage may still be the right type for you.
There are mortgages designed specifically to help you purchase a property in the UK, either for residential use in the future, for your family to live in, or as a Buy to Let.
Expat Mortgages typically require larger deposits and the criteria for lending are often stricter. There are plenty of lenders that offer Expat Mortgages but many of the high street lenders still don’t. Compliance checks are more complicated, so they consider the business too risky.
Our experienced advisors will discuss your situation in full and gather the essential documents. Then, they’ll thoroughly research the market, comparing any options you may have from the hight street, with deals available from specialist lenders. They’ll advise you on the most suitable product, the next steps and then be on hand to help overcome any challenges.
Lenders all have different criteria for underwriting mortgages for applicants over 50. But more banks building societies and specialist lenders now have products and choice is increasing.
Having an experienced advisor, who understands your circumstances means you can avoid the pitfalls and rejections that people commonly face. Whether you’re 50 or 65, our knowledgeable advisors will help match you with the most competitive deal that suits your needs.
First Time Buyer Mortgages are for people who’ve never owned a residential property in the UK or abroad and want to purchase a property to live in.
Buying your first home is a really exciting time, but with so many mortgage options out there, it can be hard to know which one’s right for you and can feel a bit overwhelming. You’ll have questions about things like how much you can borrow, what your monthly payments might look like and how the whole process actually works.
There may be special rates or incentives offered by lenders to help you to get onto the property ladder. Our friendly mortgage advisors will explain your options, break down the costs and answer your questions.
They’ll be on hand from your first viewing to the day you pick up the keys.
Home Mover Mortgages are for people who own a residential property and wish to move.
Before you start house hunting it’s a good idea to know how much you can actually borrow. You might find out you can borrow more (or less) than you expected. Whether you’re upsizing, downsizing, or relocating, you want to be sure you’re getting the best deal available.
Your existing mortgage may be portable. If this is the case, our advisors will consider this option and compare it to new mortgage options.
Moving can be really stressful, but we’re here to help make the journey a little easier.
A re-mortgage simply means switching your current mortgage. Your existing mortgage will be paid off with your new mortgage.
The main reason for re-mortgaging is to avoid rolling on to your current lenders Standard Variable Interest Rate (SVR) at the end of your deal period. In most cases the SVR is higher and therefore your payments would increase if you didn’t secure a new deal.
People also choose to re-mortgage to borrow more money for home improvements or debt consolidation, but it’s important to seek advice and make sure you understand the impact this has on how much extra you will repay over the full mortgage term if doing this.
Another reason is to remove people from the deeds. Maybe you’ve split up with your partner and they need to be removed from the mortgage.
These are all common reasons to re-mortgage.
Most lenders offer what they call ‘Product Transfer’ deals, which are essentially like an internal re-mortgage, moving from one deal to another. Our advisors can help you find a new deal up to six months before the end of your current deal period. They’ll look at the deals that are available to you from other lenders and compare them to what your current lender is offering and recommend the best deal that’s available to you.
For many who dream of owning their own home, being able to save enough for a deposit, typically 5-10%, can feel like an unrealistic goal. When you factor in the costs of daily living expenses and the ever-increasing price of utilities and bills, planning to save for a deposit can be a daunting task.
There’s been a steady increase in the number of mortgage products coming to market in recent years, that require little or no deposit. As well as mortgage products designed for customers with low or no deposits, there are various ownership schemes and programmes designed to help make homeownership more accessible.
These types of mortgages do tend to come with stricter lending criteria and higher interest rates, so it’s especially important to speak to an experienced mortgage advisor. We will ensure that you feel well informed about the potential risks and rewards of borrowing with a small or no deposit and help you navigate the full scope of options available to you, identifying the lenders most likely to approve your application.
RIO Mortgages are typically available to people over 55. They’re designed to help you borrow money in later-life, as an alternative way to remortgage in your retirement or to release cash from your home. It’s a loan secured against your home which you pay the interest on each month, meaning the amount you owe doesn’t increase over time.
As with Equity Release you don’t have to repay the loan until you, or the last remaining borrower, die or move permanently into long-term care – but you don’t have the risk of compound interest. To be considered you need to show you can afford the monthly interest payments.
A RIO mortgage can be used for most purposes, including to pay off an existing mortgage.
Some are only available through a mortgage adviser. Our experts will consider all the options available to you, when recommending a solution for your needs.
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The Shared Ownership scheme is designed to help first time buyers and previous homeowners who are struggling to get onto the property ladder.
If you can’t afford to buy a property at full market value, the scheme allows you to buy a ‘share’ of a property, paying rent to the landlord on the rest. The rent you pay will be on top of your monthly mortgage repayments as well as any service charges.
The scheme allows you to buy an additional share of your property in the future, if you’re in a position where you can afford to – all the way up to 100%. This process is known as staircasing.
Properties available under this scheme are mostly, but not always New Build properties. When searching for a property online, you usually have the option to search for properties that offer shared ownership.
Theres a lot or potential benefits, but also pitfalls to buying with the help of this scheme. It’s importantyou understand these before deciding to proceed. Our experienced advisors can help you with this, ensuring you feel informed and confident in your decision.
With a Shared Equity mortgage, you’ll have an additional interest-free loan alongside your mortgage. In return, you agree for the lender to take a share of the profit when you sell your property or repay your loan.
Due to the additional loan being interest free and the main mortgage being a lower amount, your monthly payments with this type of mortgage would usually be lower than if you borrowed the full amount with a traditional mortgage.It’s important to get independent advice to fully understand how Shared Equity works – with the benefits come risks. It’s important that you’re fully informed of these before deciding if this is the best option for you. Our advisors can help you with this.
Council or Housing Association tenants, may be able to buy their home at a discounted price using the Government’s Right to Buy scheme – see eligibility criteria and conditions at GOV.UK.
Depending on the size of your Right to Buy discount, you might not even need to put down a mortgage deposit, as the discount would essentially operate as the deposit. But there are other extra costs associated with Right to Buy, and buying a property in general, that you’ll need to account for, as well as the mortgage repayments.
Some lenders offer mortgage deals that are only available to you if you are buying through this scheme. However, it may be that a standard mortgage will offer you the best rate available.
Our experienced advisors will research the whole market, and compare all the options, to find the one that’s most suitable. They will take the time to get to know you and understand your circumstances, so that when you apply for your mortgage, you will have the best chance of being approved.
An Ethical Mortgage is a mortgage provided by a lender who prioritises Environmental, Social and Governance (ESG) practices. ESG is a framework used to evaluate how a company manages its impact on the environment, its social responsibility, and its governance practices.
It is not the same as a Green Mortgage – which is about the property you’re buying rather than the lender you’re borrowing from.
If the environment, people, politics or the overall company ethos are important considerations for you, there are plenty of providers/products to choose from.
Whether you already have a mortgage and would like to switch to a more ethical lender, or are thinking about your first mortgage, our advisors will research the options based on what matters to you, ensuring the values of your mortgage lender align with your own.
Green Mortgages are designed to encourage sustainable living and help homeowners reduce their carbon footprint. These are not the same as Ethical Mortgages – which are loans provided by lenders who prioritises Environmental, Social and Governance (ESG).
Green Mortgage deals offer preferable terms if you’re buying an energy efficient property or if you’re planning to improve the energy efficiency of a property you’re buying or already own. The benefits differ from lender to lender, but most commonly include reduced interest rates or cash back.
Many of the mainstream lenders now offer their own versions of a Green Mortgage. However, while there are now lot’s of Green Mortgages available, with competitive deals, it’s still worth comparing other products that might be available to you, to ensure you find the best deal. Our advisors can help with this.
You have an initial chat with one of our advisors.
You have a full consultation. The advisor will arrange to meet you when and where is convenient – your home, our office, or on a video call. You can invite family members or a trusted friend to join you if you like. Our advisor will give you options and advice to consider.
Your consultation is free and there’s no obligation to proceed.
If you instruct us to proceed, we’ll take it from there.
Have an initial chat with someone at PSG about you’re plans and arrange to meet with an advisor. They will meet you when and where is most convenient – at your home, in our office, or on a video call. If you’d like to have a friend or family member join you for the meeting, that’s fine too. You’ll be asked to have some documents available to help your advisor conduct their research.
At the start of the meeting, they’ll provide you with our Initial Disclosure Document (confirming the costs involved if you decide to proceed). You’ll discuss your circumstances, priorities and future plans with your advisor and have the opportunity to ask any questions or raise any concerns. At the end of your meeting your advisor will arrange a follow-up Presentation meeting.
Your advisor will research the whole of the market, reviewing all the lenders and products available.
Your advisor will talk you through the research and their recommendation for your mortgage and any protection that would be beneficial. They’ll provide a summary of the important details and costs involved – called a ‘Key Facts Illustration’ (KFI) or ‘Personalised Illustration’. They’ll go through it with you, giving you time to ask questions and ensuring you understand everything. If you decide you’re happy to proceed, the application process will begin
Your advisor will complete this on your behalf. You may need to appoint a solicitor. If you don’t already have one in mind, we can help with that.
Your advisor will continue to liaise with your lender, updating you on the progress of your application, until you have your Mortgage Offer.
Your solicitor will carry out the required checks and searches relevant to your circumstances (whether you’re purchasing a new property or re-mortgaging). They’ll report directly to you on these matters, but your advisor will liaise with your solicitor and lender throughout, helping to ensure you’re planned timescales for exchange and completion are met.
Your advisor will keep you updated and be on hand to answer any questions throughout the whole process.
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