Residential and New Home Mortgages.

Offering bespoke new home mortgages advice to help you with your residential mortgage needs. After all, your home is the place where you can feel at peace after a long day. We strive to ensure you know what your future looks like and that it is safe and secure.

Bespoke mortgage advice, tailored to you.

Securing a mortgage for your home can be a daunting experience. With so many variables it can be hard to decide which type of mortgage is best. As everyone is different, every bit of mortgage advice we give is totally bespoke, tailored to each client’s situation.

Through our expert mortgage advisers, we can guide you to the right deal for you.

First Time and New Home Mortgages

Here at Home Mortgage Solutions, we have a wealth of experience in the property industry so when it comes to finding the perfect property, we’re the ones to help.

Finding a property can sometimes be time consuming and difficult. We can scour the internet for you whilst you’re too busy and organise viewings around your schedule. Just call us your Personal Assistant!

Due to our industry knowledge, we can research into the properties on the market for you so that when we liaise with the estate agent on your behalf, we can take away some of the stress and achieve the best possible price for your dream home

Once we’ve helped find you the dream home and helped to get you the best possible price on it, we need to ensure the savings keep on coming.

We’ll help search through thousands of mortgages to recommend the best deal based on your circumstances.

Buying a house doesn’t end there, so we stand by your side and liaise with estate agents and solicitors on your behalf.

We’re a helping hand with paperwork and our expertise means we can guide you on things that crop up all the way through to getting the keys of your new home.

It’s also worth asking us about our buy to let mortgages for first time buyers, to see if you’re eligible.

Home Movers

When moving home, you have all the same stresses as being a first-time buyer, with the added stress of selling a property at the same time as buying one!

This can lead to extra pressure with time constraints and additional people to keep happy within the chain.

We are experts in the house buying and selling market. It is our job to support you every step of the way.

Our most asked questions are:

How do I sell my home?
Where do I sell my home?
When do I start looking for a new home?
When do I out my house on the market?
How do I get the price I want for my home?
How do I tie in selling and buying at the same time?

We are here to answer all of those questions and guide you from your first appointment, right through to getting the keys to your next house.

We’re a helping hand with paperwork and our expertise means we can guide you on things that may crop up all the way.

Self-Employed

Being self employed and getting a mortgage can be complicated, but it doesn’t have to be with the right guidance and help.

Starting a business is scary – it takes hard work, tenacity and a lot of bravery! Trust us – we know your pain!

We are specialists in the world of self-employed and new home mortgages and can help whether you have been trading for one or two years, are a contractor or sub-contractor, a sole trader, or Limited Company.

If you have been trading for only one year, you will need to prove your earnings and show that the business is viable. You may need to provide a projection report from a Chartered Accountant, a business plan and sometimes contract for any future work you have negotiated.

Not all lenders lend to those with only one years accounts, so you will need to speak to an expert in the area to find a specialist lender who is willing to work with you. We can help you with your self-employed mortgage needs.

Contractors have a set period with the company they are working with and as such their income is sometimes hard to place with lenders. Again, it is always best to speak to us before looking for your next home to make sure you can be placed with a lender that you are happy with.

As a Director of a Limited Company, it is common for you to pay yourself a low salary and either take dividends or use the net profit in the company as proof of earnings. Some lenders will take one or the other as well as salary – each lender has different criteria around it all. Fortunately, we are experts in this field and so you can be safe in the knowledge that we will look after you.

Ask us about our self employed buy to let mortgage offers too, as you could be eligible.

Bad Credit

Having bad credit can make a mortgage application more complicated when looking for yourself, as you need to know which lenders will lend to you.

Our most asked questions are:

Will bad credit affect a mortgage application?
Can I get a mortgage with bad credit?
How does bad credit affect you
Which lenders lend to those with bad credit?

All lenders are very different and some accept things others don’t; so it is best to speak to an advisor who can show you who will lend to you with your circumstances.

You may need to be more prepared when it comes to bad credit – we like to see you early so that we can put a plan in place to ensure you take the right actions towards being able to buy your new home.

If you have late or missed payments, CCJs on your file and/or have been declared bankrupt, this may negatively affect your credit report and affect the way lenders look at you. They may look at you as higher risk and therefore may still lend, but offer a higher interest rate.

Here at Home Mortgage Solutions, we specialise in adverse credit mortgages, so rest assured, you’re in safe hands.

Own your dream property with our Property Search Service...

When it comes to finding the perfect property – we’re here to help.

Finding a property can be time consuming and difficult. With our industry knowledge, we can research properties on the market for you. As well liaising with the estate agents on your behalf.

We can take away the stress of the search and achieve the best possible price for your dream home.

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