Mortgages
First Home
Buying your first home is exciting – but with so much to think about, it can be a little daunting. Our expert mortgage advisors are well placed to walk you through the process of buying your first home.
We will provide you with a dedicated mortgage advisor who will be with you at every step of the journey. They will calculate exactly how much you can borrow, how much everything will cost, and walk you through the entire purchasing process from start to finish. We also do all the paperwork – no heavy lifting for you!
Moving Home
Whether you’re upgrading to a fancy new flat, or downsizing to a cosy little cottage, moving home can be a busy and stressful time. With everything that’s going on, there’s one thing you don’t want to be worrying about – your mortgage.
Circle Finance advisors are available to help walk you through the process of moving your mortgage to a new property. Whether you’re simply porting your current mortgage across, switching lenders after a change in circumstances, or applying for a new mortgage to cover the new property’s value, you can relax knowing that you’re in capable hands with our top-quality service.
Buy To Let
A buy to let mortgage is a mortgage secured on a property that you intend to rent out to a tenant. You can rent the property to individuals, to a company, or in some scenarios to family members. A buy to let mortgage is assessed upon the rental income the property will achieve and your own personal income.
Your advisor will find your “Best in Market” mortgage from thousands of mortgage products from hundreds of lenders. Then, we handle all the paperwork, as well as liaising with solicitors, lenders, and surveyors throughout the process, to ensure a smoothly handled transaction from start to finish.
Self Build
Self build mortgages allow you to borrow money to first buy the land you want to build on, then, money is released in stages so you can pay for the build as it progresses rather than as a single lump sum amount at the start.
With a standard mortgage you will receive the money to fully complete the transaction in one go. However, with a self build mortgage, you receive the loan in installments. This is to reduce the risk taken on by the lender, as many things can go wrong on a huge project like building your own home.
Other Borrowing
If you have a need for a type of mortgage that isn’t listed above, please contact our team who have access to many other products and will be happy to assist with your needs.
