Mortgages
Choosing the right mortgage can be daunting task, Harbour Financial Solutions will support and guide you through the entire process from start to finish. The process can vary depending on your circumstances, requirements and market conditions and it's our aim to find the perfect fit for our clients.
So where do you begin!!? As a first-time buyer, it is so difficult to know where to start on your house buying journey and who to speak to for advice, let alone how to navigate your way through the mortgage and house buying jargon!
Our advisers completely understand your situation and are here to help at every stage. We will work at a pace that suits you and can ‘hold your hand’ throughout the whole home buying process. We will provide you with the knowledge and confidence you need to take the next steps in owning your own home.
We will guide you through the many types of mortgages, talk through the various options, deposit requirements, special first-time buyer deals, credit scores and credit reports, government schemes and grants, associated purchasing costs, interest rates and product types, and help explore the right mortgage for you.
We pride ourselves on our personal approach offering a tailor-made service to suit your requirements, so that it becomes less daunting and more exciting for you!
As local, experienced advisers, we have great working relationships with local estate agents and solicitors, and we offer our support to you from the very beginning, not just with the mortgage, but with the whole home buying adventure… right up until you get your keys to your new home!
It can often be assumed that as you have bought a property before, that you know what you are doing. Yet moving home is one of the most stressful periods of people’s lives and it is often the case that people just don’t know where to begin or what to do first!
Moving home isn’t always an event that happens in your life every 2-3 years, and it can sometimes be decades between a moving home. Over the years, so much can change in the housing industry, as well as the mortgage options that may be available to you. If you are looking to upsize, or downsize, we can calculate your home move options with you, to ensure that you are looking at the right price range for both your purchase price as well as your monthly budget.
We can guide you with how the marketing of your property works, alongside discussing the associated costs of both buying and selling your home. We talk through how this logistically works with the house move, whilst discussing what happens with your current mortgage. We provide full advice and recommendations around your mortgage options, comparing all the alternative options which are available to you, to arrive at an affordable and appropriate solution.
Our advisors are well equipped to support you throughout the whole home moving process, to help put you in good stead for a successful and hopefully stress-free move.
We value our clients and put them at the heart of our business, with the aim to maintain long, trusted relationships for the life of the mortgage.
Reviewing your mortgage at regular intervals is as equally important as it was when you first bought your home. We recommend a review of your mortgage around 6 months prior to your current deal ending so that we have plenty of time to look at options available with both your current lender, as well as from a broad and comprehensive range of lenders from across the market. This important review ensures you are offered the most affordable and cost-effective solution to meet your needs.
Our advisor’s aim is to provide you with our expert guidance throughout your mortgage term to ensure that you are on the right track with your mortgage, saving interest where possible and making sure your mortgage remains relevant and appropriate to your short-term and long-term goals.
If you haven’t reviewed your mortgage, please get in touch and we can offer you the expert advice you may need.
Re-Mortgage
Over the years property has become a popular asset for people to invest their money in, for both an income and long-term growth. The Buy To Let market has grown and many lenders are offering comprehensive lending packages to those who are investing in property, from First time Landlords, to Portfolio landlords, Limited Company Buy To Lets and the ever more popular Holiday Lets.
Our expertise in these specialist mortgages will provide you guidance and support in making the right decisions on your investment property and we can talk you through the best way to purchase or re-mortgage the property, to help your property work best for your future needs and goals.
We cater for a vast range of clients, from employed to self-employed, from first time buyers to Buy To Let investors. Through access to our comprehensive range of lenders, we can consider mortgage options for most, with some examples detailed below:
Self-employed, sole traders, company directors, partnerships or CIS workers. Permanently employed, full time, part time, contractors, day rate workers, zero hours, overtime, commission, bonus, shift allowance, tips/tronc, pension, Universal Tax Credit, Carers Allowance, PIP, DLA, child or spousal maintenance, child benefit, foster care, foreign currency income and all other incomes considered.
Adverse credit history ranging from late payments to missed mortgage payments, Debt Management Plans, IVA’s, CCJ’s Defaults or Bankruptcy.
We can also help with new build purchase, Help To Buy, green / Eco products, unusual property types and construction, lending into retirement and low deposit schemes.
