A mortgage is a huge commitment not only financially but emotionally and the decisions you make can have an impact for years.
Integrity IFA offer Independent whole of market mortgage advice this is crucial during the process of purchasing a mortgage.
Integrity has dedicated mortgage advisers to help you navigate the mine field that can be a mortgage.
Loan to Value ( LTV) , Income Multiplyers, Arrangements Fees, Tie in Periods, Eligibility, Early settlement penalties, Fixed Rates, Variable Rates, Discounted Rates , First time Buyers and so the list goes on.
So if you are a first time buyer , re mortgaging for a better rate or to raise capital , buying a second home or purchasing a home to rent.( Buy to Let Mortgage) call us now.
Whatever your mortgage requirements Integrity can handle the entire process. As independent whole of market mortgage brokers we also have access to deals that aren’t available on the High Street and also have broker only exclusive deals.
Initial consultations are always free and without obligation . If we charge a fee it is usually £199. We can also receive a commission from lenders. If you wish us to rebate this commission to you or fee will typically be 0.5% of the amount borrowed.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Use Us?
Please try our easy to use Search facility for a specific search which suits your personal requirements.
First Time Buyer Mortgages
First Time Buyer Mortgages are simply mortgages for clients buying their first homes.Recent incentives have came into this area of the mortgage market to encourage this section of the market. There are two many to list and are changing on a daily basis but these are the main ones to help you get onto the mortgage ladder . Government incentives, shared equity schemes from house builders and lenders are now also decreasing the amount of deposits required and offering deals to new buyers. Every scheme and mortgage has terms and conditions that is why we always recommend you speak to an independent mortgage adviser about your specific mortgage requirements. A good credit history and a deposit are essential to help you secure the best deals available.
For clients whose mortgage deal is coming to an end or may be paying their lenders variable rate and want to benefit from some of the great deals currently available.You may also be looking to raise some capital from your home.Integrity IFA can help you port your mortgage with your existing lender or move to another provider . We'll search the market for the best deals available. A good credit history and low loan to value are vital when trying to secure competitive rates at the moment.
Mortgages for home movers
Moving home. Whether upgrading or downgrading ,independent mortgage advice is crucial due to the current economic conditions.
Negative equity is currently an issue bit some lenders will allow you to port this to your new mortgage so it is always worth speaking to us to see what is available. As always we will source the mortgage market for the best deal to suit your requirements.
Buy to Let Mortgages
We have access to all the UK lenders that offer buy to let mortgages. We have dedicated advisers who are landlords in their own right so they fully understand the buy to let market. One of the main challenges is the size of deposits required at the moment however every week lenders are changing their requirements as this sector of the market remains strong.Our advisers will source the market for the best buy to let mortgages available that suit your requirements.
Commercial Lending is still fickle we have several contacts within most major banks that are happy to talk to anyone that requires commercial lending. Lending has got tighter but is available a deposit and a good business plan are essential.Contact us to see if we can help.
We work closely with specialist brokers in secured lending . This can be an option when main stream lenders say NO. They can offer higher loan to value loans and will lend to clients with issues on their credit history. Each loan is usually underwritten by a human so a dialogue with the lenders certainly helps when explaining issues that have occurred in the past. Contact us to see if we can help.