ELSE MORTGAGES LTD

Mortgages & Protection Specialists
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
All our mortgage advice services are offered COMPLETELY FREE, there are no hidden fees.

We believe that mortgage and protection advice should be accessible to everyone without any cost barriers. We won’t talk jargon and we will make sure you fully understand the mortgage or insurance policy you are applying for, because at the end of the day, buying and owning a house is likely to be the single biggest expense you are likely to incur and we want you to own a home and not just a house.

With access to a vast range of lenders and insurance providers, we promise to recommend the right mortgage for you – which, let’s face it, is what everyone wants.

OUR MORTGAGES SERVICES

FIRST TIME BUYERS

Buying your first home can be a daunting task, but there’s no need to worry because at Else Mortgages, we know everything there is to know about what is required to make buying your first home as smooth and pain free as possible, so you can concentrate on the excitement that buying your first home brings.

HOME MOVERS

Maybe you’re looking to upsize (or downsize) or maybe you are looking to move to a new area? Whatever the reason for moving home, Else Mortgages have access to a wide range of lenders and can use our extensive knowledge and years of experience to help you find the right deal and move in to your new home knowing you aren’t going to be paying over the odds for

REMORTGAGES

Staying with your current lender when your deal comes to an end in the vast majority of cases isn’t the best option. We can search for the best deal for you and either help you reduce your mortgage payments or keep your existing repayments and instead reduce your term. Either way, we are confident we can save you money and interest!

BUY TO LET

INCLUDING HMO & LTD CO
MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

Being property investors ourselves, we really understand the rental and property investment market. We have been investing in property ourselves for nearly 10 years which means we have walked the path you are on now and we have learned from our many mistakes along the way.

Whether you are buying in your own name or a Ltd co., whether it’s a family let or an HMO, we can make sure not only do you find the best deal, but also make sure that there aren’t any surprises along the way. Because buying an investment property, particularly via a ltd co. or an HMO, isn’t as straightforward as most people believe and lenders have many hoops that they want you to jump through first! We can make sure that you are fully prepared and understand the lender’s requirements.

OUR MORTGAGES SERVICES

FURTHER ADVANCE

Whether it’s looking to extend and improve your home or raise funds for a second property/BTL purchase, we can help you achieve your dreams and make sure you don’t pay more for your mortgage than you should.

ADVERSE CREDIT MORTGAGES

Contrary to popular belief, missing a credit card or loan payment/s or having a CCJ for example doesn’t always automatically mean you are unable to get a mortgage. Yes, it does make things a little harder and many lenders won’t be able to help. However, there are lenders on our panel that will consider past credit issues on a case by case basis.

BRIDGING FINANCE

This is a niche market and is mainly used to purchase a property that is either currently not mortgageable as it requires modernisation for example or one where you plan on renovating the property to increase it’s value before remortgaging or selling on. Due to our experience in renovating properties, we have the knowledge and first hand experience to help you through the application process.

HOME INSURANCE

What would you do if your house burnt down or sustained serious damage? Or if you tipped your house upside down what items would come out?

These are the questions you need to ask yourself as someone either renting out or buying/owning a property.

We can talk you through your options and how you will benefit from home insurance policies.

PROTECTION

Life, critical illness & Income Protection

This is possibly the most important discussion we will have during a mortgage appointment. Not only do you need to make sure that your home or investment is protected in the event of the worst happening, but protecting your income to make sure you can keep living in the property you’ve worked hard for if you can’t work due to illness or injury, is also a key

Contact ELSE Mortgages Today

Speak to us today about our FREE mortgage advice services