Since April 2014 when
new industry regulation was announced, getting a mortgage has become a
more difficult process. Lenders are now more sensitive to issues like credit
history, and will question these matters when assessing your application. Having
a good mortgage broker to guide you through the process and ensure your
application is strong has never been more important. Our brokers can help with:
- First time buyer mortgages
- Buy to let mortgages
- Mortgages for over 65s
- Contractor mortgages
Our services and fees
We work with a panel
of regulated and qualified mortgage brokers who can assist you with any of the
above. We know each of their areas of expertise and can refer you to one that
is most suited to your needs. As with all products from Choice Loans, you do
not pay us any up-front fees directly.
To make an enquiry, please complete the form opposite and we will be in touch to discuss your options or call us on 01494 410 125.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
Are you looking for a Mortgage?
Just complete a few simple questions below and we'll be in touch soon to get things moving.
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"I would highly recommend Choice Loans who are experts in their field"
What is needed to apply
Applying for a Residential Mortgage is very straightforward. Below are listed the things you need in order to apply.
- Eligibility Criteria You will need clean credit, sufficient income and a deposit (of variable amount).
- Documents Required Application form, proof of ID and proof of income are all required as standard.
- Additional Comments A mortgage usually takes 6-8 weeks to arrange.
- How much can I borrow?
This is determined primarily by your disposable income. A full fact find will be taken by your mortgage broker and from this they will determine what you can borrow. The maximum LTV available is 95%.
- Can I get a mortgage if I have bad credit?
There are still options available but it depends on the nature and timing of the bad credit issues you have.
- Can I get a mortgage if I am retired?
Yes, though there may be some restrictions. See our page about Mortgages for over 65s.
- Can I get a mortgage if I live overseas?
Yes, though there may be some restrictions. Contact us for further details.
- Is there a mortgage calculator I can use to work out what repayments would be?
Yes, just look for the calculator icon in the bottom right of this page.
To learn more or to apply for a Residential Mortgages please either ﬁll in the call back form at the top of this page or call us on 01494 410 125 and we'll walk you through your options at no cost or obligation.