There are many reasons as to why people require mortgage finance or wish to raise mortgage finance on their property and in the current climate people are turning to mortgage advisors.

As a mortgage advisor based in London we see many clients from many different backgrounds.  They all receive the highest level of service. 

At House 2 House we are experts in mortgages and therefore able to give exceptional mortgage advice and we are able to provide mortgage advice for people accross the UK.

There many mortgage products on the market, the majority of mortgages will not be suitable for you.  

This will be because there is a mortgage lender for almost any situation. 

House 2 House Finance will find the most appropriate mortgage lender for you.  All mortgage illustrations (quotes) are given free and without obligation.  Some of the lenders we deal with are listed below:

        Bank
        Halifax
        Abbey
        HSBC
        Natwest
        Royal Bank of Scotland
        Woolwich
        Alliance and Leicester
        Bank of Scotland
        Natwest
        Nationwide

There are many more.

The many different types of finance available and to assist you we have provided a description of the different kinds of  personal finance we can arrange.

Mortgages

Raising money for the purpose of buying a residential property to live in is known as a mortgage.  A variety of mortgages can be arranged and these can be from the most complex to the most straight forward.  Some of the more complex areas of lending are often for the self employed who often require a self certification mortgage.   In some instances the company may be newly formed and hence have a limited trading period.  We can assist employed people in obtaining a self certification mortgage, although these are not widely available.  The more complex mortgages are not always the most competitively priced, as they are often a higher level of risk to the mortgage lender then a conventional mortgage.

Re-mortgages

Remortgaging is normally undertaken to find the cheapest mortgage deal or for the purpose of capital raising.  Even in this circumstance individuals would still be looking for the cheapest mortgage option.   The need for advise in this area has never been more important as lenders charge higher fees to access mortgage deals which leads to the rates be offered at a distorted price.  The problems are compounded by mortgage lenders changing their lending criteria - making it much harder for people to re mortgage.

Buy to Lets

Mortgage Finance for purpose of purchasing or remortgaging a residential property that is or will be to let to a tenant.  These can be facilitated for Limited (Ltd) companies or individuals.  currently this area has become more restrictive with less mortgage lenders offer Buy 2 Let mortgage rates. Often Buy to Let mortgages are more expensive then a traditional mortgage.  Different underwriting terms are imposed on  Buy to Let customers.  For example some mortgage lenders will insist that the rent charged on a Buy to Let must cover at least 125% of the monthly mortgage payment.   This is not the case with all lenders and hence good advice is essential.

Secured Loans

Secured Loan is a loan secured normally on a residential property.  This is available to most people including individuals with a blemished or adverse credit record.  It also used by individuals capital raising that still have penalties with their current lender.  These types of loans are not normally cheaper then a mortgage.

Adverse Credit Mortgages

Adverse credit or a low credit score can mean you need a “specialist mortgage” one that is not offered (normally) by a high street lender.  This often known as or non conforming.  This area of lending can be very complex and it is important that any adviser understands your circumstances fully, as these mortgages are more expensive then a standard mortgage.  The level of equity held within the property along with client circumstance will determine the rate.  Currently mortgages within this sector are even more difficult to obtain and can quite expensive compared with traditional mortgages.  This area of mortgage lending can be quite effective in helping individuals restructure their loans and credit cards and are a lot more sympathetic to any difficulties that individuals may have faced in the past.  As always good mortgage advice is essential to ensuring you get the most appropriate mortgage for your circumstances. 

Loans

Normally these are for “everyday transactions” such as purchasing a car or a holiday.  These are also open to majority of people and offered with limited restrictions.  A credit score will normally need to be passed.

Click to contact us about the right mortgage for you.


Your home may be repossessed if you do not keep up repayments on your mortgage

The overall cost for comparison is 7.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

House 2 House Finance & Insurance is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Services Authority

House 2 House Finance for Mortgages, Remortgages, Secured Loans, Buy to Let, Adverse Credit Mortgages and Loans, Barclays Bank Mortgages, Natwest Mortgages, Woolwich Mortgages, Nationwide Mortgages, Royal Bank of Scotland Mortgages, Abbey Mortgages, Alliance and Leicester Mortgages, Halifax Mortgages,  self certification, North London Mortgages, mortgage advisor london , mortgage adviser london, self certification mortgage