Planning to buy your first home is an exciting and daunting time, with so many things to consider when arranging your first mortgage.
At Wilson Cook we recommend you sit down with an advisor for a free initial consultation before you find a property, to get certain key information;
- Deposit amount, how much do you need? – we often have access to fantastic rates where only a 5% deposit is required.
- How much you could potentially borrow.
- What costs are involved and why it is important you sit down and work out a budget before you find that first home!
- What your potential options are and who are the most likely mortgage lenders to best meet your needs.
Once you have this information, you are in the best position to start looking for a property. We also recommend obtaining an agreement in principle from a mortgage lender before you make any offer on a new property.
Your priorities may have changed, bigger house, children’s schools to consider, relocation or a downsize. We are here at Wilson Cook to help simplify what can be a complex process with a property to sell and a new one to buy, we are on hand to keep things straightforward.
Has your existing mortgage deal come to an end?
Not sure whether to stick with your current lender or look for other options available?
Planning on raising additional monies to fund home improvements?
We can help find you the best solution and help you consider all the options available from our comprehensive lender panel. Switching mortgages can be a more involved process than many people expect, Wilson Cook can source the most suitable for your needs and provide the support you need from start to finish in switching your mortgage.
Dipping your toe in the buy to let market for the first time, refinancing an existing buy to let or managing an existing portfolio. At Wilson Cook we have the knowledge and understanding to help you get the very best solution for your Buy to Let needs.
Many clients look at the acquisition of an investment property as a way of generating a monthly rental yield, others may look for capital appreciation of their investment through an increase in property value. Whatever your strategy, we know it is important you do your homework first, at Wilson Cook we have over 15 years personal experience of the Buy to Let Market.
Thinking of moving home and want to let your existing residential property? We can help you gain letting consent from your existing lender or arrange a new Let to Buy mortgage. Many clients look upon this option as a way of building a potential investment for the future.
Life is not always straight forwards and sometimes there are bumps in the road. Perhaps you have experienced some form of financial or credit based issues such as:
- County Court Judgements, CCJ
- Late or missed secured and unsecured payments
You may feel that your options are limited or that you cannot get the mortgage finance you need. We have access to an extensive range of specialist lenders who can assist clients who may have experienced some of these issues in the past and will still consider you for mortgage finance at this time.