Finding the right mortgage can be a difficult and time consuming process. Let us do the hard work for you.
A mortgage is one of the biggest financial commitments you will make. At Pure Mortgage we take the time to fully understand your financial position, personal needs, goals and importantly we work at a pace that is right for you.
We have direct access to the whole of the mortgage market, from high street providers to specialist lenders, so we can find you the best deal possible.
We also have access to exclusive rates and products, not always available directly from banks, building societies or other mortgage brokers.
WE WILL FIND THE RIGHT MORTGAGE FOR YOU
FIRST TIME BUYERS
Getting a mortgage for the first time can seem complicated, time consuming and a difficult process, especially with the wide range of options available. At Pure Mortgage we are committed to making the process of obtaining a mortgage as straight forward and stress free as possible. We work with the whole of the mortgage market from traditional high street banks and building societies to specialist mortgage lenders. We look at all your options from mainstream mortgages, guarantor and joint borrower sole proprietor mortgages, help to buy and shared ownership/shared equity mortgages to give the right advice for you.
REMORTGAGES
If you’re current mortgage product is coming to an end and you want to make sure you have the best option in place, after considering your priorities we compare a range factors such as the lowest monthly payment, total cost and review the entire market including your existing mortgage provider, to ensure you have the best mortgage for you.
You may be considering a re-mortgage to raise capital for a project, investment, debt consolidation. or just see if a better interest rate is available. Whatever the reason we can help.
HOME MOVERS
Are you considering selling your home and buying a new one, we can help you decide whether to stay with your current mortgage provider or explore new options. We’ll compare your existing mortgage and moving costs against available market options, considering your priorities and circumstances. We’ll provide clear advice on the best choice for you, whether it’s based on total cost, lowest monthly payments, or mortgage features. If staying with your current provider is the best option, we can advise and secure the mortgage for you.
BUY TO LET/LET TO BUY
Are you considering buying your first rental property or renting out your current home? Perhaps you’re a professional landlord looking to expand your portfolio? We offer impartial, independent advice to help you find the best buy-to-let mortgage products to suit your needs. We can also advise on yields and the return on investment for any potential property investment. Compare these against other properties, alternative types of property such as HMOs, and other investments to ensure you have all the information you need.
LIMITED COMPANY BUY TO LET
Many property investors are now turning to limited companies to hold their buy to let property portfolio. If you are looking at your first property purchase, or you own a limited company and are looking to invest in future projects then we can help you get the best deal for your mortgage or re-mortgage on your buy to let portfolio. If you are looking into Limited Company property investment we would always recommend you seek independent tax advise before making the final decision if this is the best option for you.
EQUITY RELEASE
If you are a home owner aged 55 or over and looking to release some equity from your home we are qualified to advice on a range of lifetime mortgage products. If you are looking to purchase another property, pay off your existing mortgage, raise some capital for home improvements, gift cash to loved ones or reduce the value of your estate for IHT purposes we can help you decide if a lifetime mortgage is the right decision for you. See our equity release page for further details.
CONTRACTOR/SELF EMPLOYED MORTGAGES
There are a number of lenders that specialise in this area, whether your on a fixed term contract, an hourly or day rate, or in receipt of CIS vouchers. This is also true for self employed, if you are a sole trader, partnership or limited company and maybe have a limited track record, or recently switched the business entity, there are lenders who can help.
The number of contactors and self employed in the UK has dramatically increased over the years and this is reflected in the choice of lenders and lending solutions available to meet your needs.
PROFESSIONAL MORTGAGES
If you are a Doctor, Solicitor, Barrister, Accountant, Dentist or one of a number of qualifying professions, there are specialist lending solutions tailored to your needs and circumstances. These can offer preferential rates of interest and/or higher income multiples allowing an increased level of borrowing if required. We understand you may have more than one income stream and are ideally placed to find the best solutions tailored to you.
