Salcey Mortgages brings a fresh approach to mortgage advice. Our aim is simple, we want to help you get the best possible solution to your mortgage and insurance needs.
Unlike some banks, building societies and other mortgage brokers, Salcey Mortgages can come out and see you in the comfort of your own home at a time which suits you. We can search over 1000 mortgage products to find the best suited to you and we do not charge a fee for an initial appointment. We can help in all manner of circumstances.
We offer free initial appointments where we can give you an indication of what you can borrow, tell you how much you can expect to pay each month and answer any questions about the buying process that you may have.
Throughout your application, we will also speak to estate agents and solicitors for you and make sure all parties are kept informed at any stage.
We can also advise on various schemes such as Help to Buy and Shared Ownership and are happy to compare different options if you are unsure which is most suited to you.MORE
There are many different buy to let mortgages with some lenders only offering buy to let mortgage products. It is a very competitive market meaning there a large choice of products with some great deals to be had.
You may be an accidental landlord who due to no fault of you own has effectively been forced to rent your home out to cover the mortgage payment or an experienced investor who has a string of buy to let properties.
Salcey Mortgages Northampton can help you get the best deal to fit your needs.MORE
We will talk through an array of options to best suit your mortgage needs and explain thoroughly so everything is clear to you.
With potential access to over a 1000 mortgage products, proceeding without using the services of a mortgage adviser can be a potentially costly mistake.
For example, many people will speak to their existing mortgage lender when moving and take what is offered by them which could be considerably more expensive than looking at alternative lenders.MORE
It could be that you want a better interest rate on your mortgage, you might want to borrow additional money on your current house or maybe change the names party to your mortgage.
Most mortgages have an initial rate you pay which ends after a period of time. This is often 2 or 5 years however it does vary and it is wise to check on your latest mortgage statement or with your mortgage provider. When such initial periods end, you will often go on to a higher rate with your lender and if not reviewed it may be that you are paying considerably more interest on your mortgage costing a lot of money.MORE
Being self employed can sometimes make a mortgage a little more difficult to obtain. Often working for yourself means fluctuating pay with no 100% certainty you will earn the same as the month before.
Lenders know this and want to see proof that there is stability with income over a certain period of time. And we all know accountants are paid to do a job and keep tax bills as low as possible often resulting in a lower net profit which lenders refer to. This can make obtaining a mortgage a little more difficult, especially for the amount of money you may want to borrow.MORE
There is no hiding the fact lenders have a criteria which must be met before lending you money. They want comfort that their money will be repaid.
This criteria can vary significantly from lender to lender which means there could be a lender happy to lend to you taking into account your credit history.
In fact there are some lenders who specialise in lending to such people. Salcey Mortgages is whole of market which means we have access to nearly all UK mortgage lenders and as a result we know which lenders could help you obtain a mortgage.MORE
Typically, a fee of £249 is charged upon application for any borrowing however this may increase depending on your circumstances. All fees will be disclosed initially prior to any financial commitment.
Our team are available 6 days a week from 8.30am to 6pm Monday to Friday and 9am to 5pm Saturday - Call us on 01604 905483, email or complete the form for more information and find out why so many people are happy to recommend our mortgage and protection services.