- Whole of market research
- Saving time shopping around yourself
- Un-biased choice of lender
- Years of experience
- Not 9-5
- Detailed knowledge of lenders criteria
- Fully Qualified Advisers
Trawling through the market for Mortgage deals on the net is easy, it’s understanding the lending criteria that is challenging. Save yourself a lot of false starts and blind alleys by letting Hampshire Hill’s independent, whole of market mortgage team do the hard work for you, in the knowledge that you are dealing with a safe company with a wealth of experience in this area.
We show you everything on offer
Our advisers look at thousands of mortgages to find the best deal for you.
So while there are lots of mortgages out there that you can only get direct
from banks and building societies – we’ll look at these too, to make sure
you end up with the mortgage that is right for you
How to get the most from your investment
The key to making a buy-to-let venture work for you is finding the best possible mortgage deal. That’s why it’s so important to take impartial advice – especially in today’s market.
While buy-to-let mortgages are similar to residential home loans, there are some very important differences that our expert adviser can help you get to grips with.
For example, buy-to-let mortgages require a larger deposit than regular loans (typically 25%), and you’ll need to show the lender that the rent will cover your interest payments on the mortgage by at least 125% – in case the property stands empty for a while or needs maintenance. You should also set money aside for arrangement fees, which can be as much as £2,000.
Sizing up the benefits of buy-to-let
On the bright side, buying a property to let out offers the appealing prospect of a potential rental income, plus the possibility of equity to unlock later if property values increase. In fact, the right investment can give you a gross return each year of between 5 and 10%. That’s well ahead of what any savings account will currently give you, albeit with more risk attached.
And while average property prices across the UK have been flat in recent years, rents have been on the increase. Acting quickly, with confidence, is the key for buy-to-let, but don’t act alone.
First time buyer
Let’s face it, the road to owning your first home is a bit scary.
That’s one reason why more first time buyers now trust the impartial personal adviser at Hampshire Hill Group to cut through the marketing jargon, help work out what they really need, and then comb the market to reveal the very best deals available.
Your starting point is probably deciding how much you can afford to pay each month, we can show you exactly how much you can afford with a ‘Financial Data Plan’ looking in depth at your income and expenditure outlining any shortfalls you may come across. You’ll also need to raise a deposit – usually 10% of the property’s value or more.
But with interest rates still attractively low, Hampshire Hill believe we can quickly seek out deals that are perfect for our customers – even those with more specialist needs – while making sure they don’t rush into any costly mistakes.
Could you save money by re-mortgaging?
Re-mortgaging need not be a hassle. In fact, it’s something we should all think of regularly to make sure we’re still on the best mortgage deal.
If your current mortgage deal is about to come to an end, it’s important to start shopping around for a new offer before you get transferred onto your lender’s standard variable rate (SVR) – this could be higher than your current rate.
Why not let Hampshire Hill’s Mortgage Adviser do some of the hard work for you, and make sure you’ve got the very best mortgage for you.
New home, new mortgage
Good news for stressed-out movers: mortgages designed for people moving house are now looking more attractive than ever.
At Hampshire Hill we believe that moving home is the perfect opportunity to look for a better mortgage deal.
If you’re trading up to a larger property, you may need to increase the size of your loan. But you’ll need to ensure it’s affordable once you get there, so it’s crucial that you get the right advice upfront.
Even if you don’t need to borrow more, our expert adviser will work to find you a mortgage that suits your new circumstances.
Moving home can be a stressful time, so why not let Hampshire Hill do most of the hard work for you, and make sure you’ve got the very best mortgage for you.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.