A mortgage is a loan you take out to buy a property or land. The loan is secured against the value of the property/land, which means it can be taken away if you can’t or don’t keep up your repayments.
There are lots of different kinds of mortgages designed to suit all kinds of people which we can help you with, whether that be for purchase, first time buyers, remortgages, buy to lets, high value mortgages, bridging and portfolio landlords.
First Time Buyers
As first time buyers, your first house purchase can seem a bit daunting, but fear not as we will explain to you the whole home buying process in a jargon free manner.
We give you the confidence to make these life changing decisions and get on to the housing ladder.
Our expertise means we will find the most suitable provider on the market and do the hard work so you don’t have to, meaning you can concentrate on finding that perfect property, knowing your finances are in order. We will endeavour to put you in the best buying position, so you can offer quickly and decisively to secure your first home.
Remortgages
At Intelligent Mortgage, we aim to make our clients lifelong clients. A large part of our business is to save you money by finding you a better deal. We will take control of the process and manage the lenders and any other parties to make it as hassle free as possible for you.
We will discuss the pros and cons of borrowing more or even less. As part of our impartial and transparent advice process, if we believe that staying with your current provider is the right course of action, we will recommend this and manage the transition on to your new rate.
We will discuss the term of mortgage and the length of rate to make sure you are making the right decision with potential life goals and changes in mind. We will then remind you when its time to renew your product and ensure you always have the most competitive rate at the end of your product period.
Buy to Let Mortgages
Whether you are a first time landlord or have a sizeable portfolio already, Intelligent Mortgage has the expertise and experience to guide you through your financing options and the various methods of obtaining finance.
Buy to Let mortgages are more complicated than ever, with many providers simply not offering them. This makes having a broker on your side crucial to secure your borrowing and obtaining the most suitable rate.
With access to a comprehensive range of products, we will be able to introduce you to brands and niche lenders you’ve perhaps never heard of, but could be the right solution for your specific requirements.
Specialist Mortgages
At Intelligent Mortgage, we find specialist residential mortgages for clients whose personal and financial circumstances don’t quite meet the stringent lending criteria of mainstream lenders.
Growing complexity surrounding employment and income structures means that an increasing number of residential mortgage applicants require property finance from a specialist residential lender. We will work tirelessly to find the most efficient and affordable property finance solution for all our specialist mortgage clients.
We aim to simplify the process and the cost of specialist lending by working as your trusted residential mortgage partner, dedicated to securing you a specialist mortgage where others may not. Typical specialist mortgage clients at Intelligent Mortgage include self-employed professionals with limited trading history, individuals borrowing into their retirement and individuals seeking to acquire unusual property types and non-standard constructions.
Portfolio Landlords
Whether you own one buy to let property or you are a portfolio landlord and require specialist mortgage advice, we can assist.
Maybe you own the properties via a limited company or in your own name, either way we have a wealth of experience in placing buy to let mortgages and can assist you in locating not only the most suitable rates available, but also the schemes with the lowest fees.
