Whether you are a homeowner, first-time buyer or looking to invest in property, choosing a mortgage can seem overwhelming.
In the last few years mortgage lenders have had to tighten up their lending criteria.
Stricter lending checks might make it seem as if getting a mortgage is impossible, but these rules protect borrowers as well as lenders.
Independent James can help you, whether it’s a flexible offset mortgage, fixed-rate mortgage, tracker mortgage, repayment mortgage or interest-only mortgage.
Our independent status means we have access to all types of mortgage and some of the best deals.
Time is precious, and you have better things to do than spend your time dealing with paperwork.
We can act as your agent, representing your interests to all parties, creating a buffer or comfort zone which means you can spend time doing the things that matter to you.
Whether it’s building a business, spending more time with your family, or even working more, we can give you back that time while we get on with sorting out your mortgage.
We know the mortgage market inside out, and our specialist knowledge means we can help source you a mortgage whatever rung of the property ladder you are on.
First time buyers - we offer a personalised service to ensure a smooth process and to help you get on that first rung.
Buy to let - although recent tax and regulatory changes have madethis area particularly complex, property investment can be profitable and provide a useful income.
Self-employed, if you work for yourself or you are a contractor then we can help you source the right mortgage and help you with the additional paperwork you might need.
Creative industries, we have many clients in this area, several firms of highly reputable accountants recommend us to their creative clients.
Flexible offset mortgages have also proved popular for many of our creative clients as well as for those with savings built up when remortgaging.
If you are looking to free up capital from your home and we can individually tailor a solution for you, be it via your existing lender, a remortgage or a secured or second charge loan, which have recently moved into the mainstream arena.
Bridging Finance can also be a cost effective short term solution and we can look at other commercial solutions.
It’s true that many people are now finding it more difficult to obtain a mortgage, particularly if you have had credit hiccups in the past.
Although banks and building societies are cherry picking their clients you can, by using an independent mortgage adviser still access some good rates
Long-term mortgage affordability should be a key factor in your home buying decision.
You should remember this is your home and not necessarily an investment. Recent economic events remind us that you cannot rely on values to increase continuously.
It is possible to jump through those hoops, you just need an expert to guide you, the type of knowhow you can obtain at Independent James.
Mr L Troupe, North Yorkshire
If you are struggling to pay your mortgage contact us. Find out more about help for those affected by the Coronavirus pandemic at The Money Advice Service.
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