Mortgage Broker in Malton

Embarking on the journey of buying your first home can be a stressful experience, partially because you won’t know where to start!

Starting your first time buyer mortgage journey in Malton involves assessing how much you can borrow and determining your overall affordability. As your mortgage broker in Malton, we can handle this for you during your free mortgage appointment.

A significant aspect of your journey is the preparation of your mortgage application. Ensuring that it reflects your affordability and is supported by all the necessary documents is crucial. A mortgage broker in Malton like us, plays a pivotal role in guiding you through this process, helping you complete and refine your application to align with the expectations of lenders.

The process of moving home in Malton involves more than just moving out of the property, you must also sell it and make new mortgage arrangements. Our job is to alleviate this stress during this time and handle all mortgage aspects of the process, allowing you to focus on the moving part!

If porting your mortgage is not feasible or the associated costs are becoming too much, the next step is to find you a suitable mortgage product for your new property. To do this, we can search through 1000s of mortgages to find you a competitive mortgage product tailored to you and your new home. Our panel includes both high street and specialist lenders, and we can access them on your behalf.

Whether you’re considering a mortgage for a buy to let, holiday let, let to buy, or HMO, our mortgage advisors in Malton are here to help. With over 20 years of experience working with buy to let landlords in Malton and surrounding areas, we bring a wealth of knowledge and expertise to the buy to let sector.

If you wish to engage with a buy to let mortgage advisor in Malton like us, booking a free mortgage appointment is a simple process. You can conveniently schedule a date and time that suits you through our online booking system.

Alternatively, if you prefer direct communication, feel free to give us a call seven days a week.

As your current fixed mortgage term approaches its end, it’s crucial to consider remortgaging in Malton. Remortgaging involves transitioning to a new mortgage product to replace your existing deal. Ideally, the search for a new product should commence six months before your current deal expires.

If you do not remortgage before the end of your current fixed term, it will result in a transition to your lender’s standard variable rate of interest. This rate is likely higher than your current one, leading to increased monthly repayments. Our team will thoroughly explore the entire remortgage market to identify the most suitable product for your switch. Your remortgage advisor in Malton will assess thousands of offers to determine the best fit for you.

There are also alternative remortgage options available. These include remortgaging for home improvements, releasing equity, and consolidating debt. If you wish to learn more about these options or are considering them through a remortgage, feel free to reach out or schedule a free remortgage review online.

Being self employed in Malton won’t drastically alter the mortgage process, but there’s a notable difference, the need to furnish evidence of your income.

Your mortgage advisor in Malton will assist you in understanding the extra documentation required for a self employed mortgage in Malton. Similar to other mortgage situations, they’ll perform an affordability assessment and delve into the available deals tailored to your circumstances.

If you’re interested in the possibility of taking out a mortgage over the age of 55, first you should explore your options to see what is available.

A member of our later-life mortgage team can look at whether you can still go the traditional mortgage route or whether you need something a little more specialist. Simply book your complimentary mortgage appointment online.

Our later-life mortgage team in Malton is committed to assisting you with your mortgage needs.