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Mortgages

Remortgaging

Remortgage

How does remortgaging work?

Remortgaging is, put simply, taking out a new mortgage on your property. This usually means switching mortgage providers. When you get a new deal, your new provider will take on the debt you previously owed to your old provider. But finding a new deal can be difficult and stressful. And that’s where we can help.

Why should I remortgage?

Remortgaging can have a stack of benefits, not least that it can reduce your monthly repayments. While saving money may be the main advantage, a new deal can also carry other benefits, giving you more flexibility in how you pay back your mortgage, and even lower interest rates.

How we can help you remortgage

Our expert knowledge means we can find you the ideal remortgaging solution for you. We’ll listen to your needs, research all of the deals on the market, and talk you through all of your options. We’ll take the stress out of remortgaging and navigate the market for you, leaving you certain that you’ve got the perfect possible deal to meet your needs – meaning you get the most out of your money.

First Time Buyers Mortgages

First Time Buyers

What is a first time buyers mortgage?

A first-time buyers mortgage is exactly what you’d expect: a mortgage used to buy your first home.

Who qualifies as a first time buyer?

Sometimes, the rules that specify who qualifies as a first time buyer aren’t completely straightforward. Usually, if you’ve never owned a home before in the UK or abroad, or you’ve only owned a commercial property (such as a shop or office premises), you’ll qualify as a first time buyer.

If a homeowner is buying a house for you in their name, or you’re buying a property jointly with someone who’s owned a home before, then you normally won’t qualify as a first time buyer.

How we help first time buyers

Getting the right mortgage deal first time around is vital for your financial future. Buying a home can be complicated enough as it is, and that’s without trawling through the varying deals different providers offer. At Bespoke, our independent advisors will give you honest and dependable advice. We also guarantee that we’ll find you a product that’s perfectly suited to your needs, giving you peace of mind that you’ve got the perfect mortgage on your first home.

Moving Home

Moving Home

What are my mortgage options when moving home?

You need to understand the different options you have when moving home, in order to make sure you’re getting the most out of your money. Usually, you can either carry your current mortgage over onto a new home, or find a new (and sometimes better) deal.

How do we help you when you’re moving home?

Moving home can be one of the most stressful things you do in life, and so it stands to sense that knowing what to do with your mortgage can also be difficult. The process of either transferring your mortgage or finding a new one is sometimes complicated. So we’ll help you to understand everything you need to do when moving home, and aid you in finding a suitable product – removing one of the most annoying parts of finding a new place to live.

Buy to Let Mortgages

Buy to Let

What is a buy-to-let mortgage?

A buy-to-let mortgage is a mortgage loan used to buy a property that you intend to let out.

What are the criteria for a buy-to-let mortgage?

Buy-to-let mortgages work in a different way to standard mortgages. They usually have higher interest rates and require a larger deposit to secure. On account of these differences, it can be difficult to know which is the best deal for you.

What we do to help with buy-to-let mortgages

We navigate the terms of buy-to-let mortgages, listening to landlords and their individual needs. We’ll give you personalised advice and help you find a deal that gets the most out of your investment.

Some forms of Buy to Let Mortgages and most forms of Commercial Mortgages are not regulated by the Financial Conduct Authority.

Bridging Loans

Bridging Loans

What is a bridging loan?

A bridging loan is a short-term loan used to “bridge-the-gap” between selling one property and buying another. It allows you to complete the purchase of a new property before selling an existing one.

What types of bridging loans are there?

There are two main types of bridging loan: open and closed.

An open bridging loan is particularly effective for urgent transactions. You don’t have to specify the terms of how you’ll pay the loan back, though you usually have to do so within a year.

A closed bridging loan is slightly more rigid. You usually have to give the lender an “exit plan”, where you tell them exactly what funds you’ll be using to pay the loan back. Most closed bridging loans last only a few months.

What we do to help with bridging loans

Bridging loans are time sensitive, so our partners will rapidly scour the market and find the ideal bridging loan to suit your needs. They will tell you everything you need to know about securing a bridging loan, and will make sure you’re certain what decisions need to be made and when.

Commercial Mortgages

Commercial Mortgages

What are commercial mortgages?

A commercial mortgage is a loan you use to buy any kind of property that won’t be used as a residence. This can include offices, restaurants, factories, and a wide range of other business premises.

Who qualifies for a commercial mortgage?

Anyone who’s looking to buy a commercial property can apply for a commercial mortgage. But there are no fixed guidelines as to who qualifies and who doesn’t. Factors like owning your own home and having a good credit rating can increase your chances of securing a commercial mortgage.

How we help customers with commercial mortgages

We partner up with advisers who thanks to their extensive experience, know how to find mortgages across all commercial sectors. They tailor the service to you and your situation, and will give you honest advice about how you can increase your chances of qualifying for a commercial mortgage and make sure that mortgage is the perfect product for you.

Some forms of Buy to Let Mortgages and most forms of Commercial Mortgages are not regulated by the Financial Conduct Authority.

Secured Loans

Secured Loans

What is a secured loan?

A secured loan is a way of borrowing money that uses something you own, usually property, to “secure” the loan. These types of loans usually benefit from much lower interest rates.

How do I get a secured loan?

To get a secured loan, you’ll need to own an asset that’s greater than the value of the amount of money you’re looking to borrow. This asset, usually your home, is used as security for your chosen lender. 

How long does it take to get a secured loan?

How long it takes to get a secured loan will vary between providers. However, shopping around for the right deal and filling in all of the relevant paperwork – then waiting for your application to be processed – can take several weeks.

How we help you get a secured loan

We’ll take all the legwork out of getting a secured loan. We’ll get to know you and your needs, and our experts will shop around the market to find the best deal for you. No hassle, no fuss. We’ll give you informed advice and make sure you get a loan that you’re happy with.

Your Home may be repossessed if you do not keep up repayments on your mortgage or another debt secured on it.
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