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 and a difficult process for many. 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 will look at all your options from mainstream mortgages, guarantor and joint borrower sole proprietor mortgages, help to buy, to shared ownership/shared equity mortgages.
REMORTGAGES
If you are thinking about re-mortgaging your home in-order to raise some capital for a project, investment, debt consolidation or if your current mortgage product is coming to and end and you would like to see if you can get a better interest rate. We will review your current mortgage provider and compare them to the whole of the market to make sure you are getting the best possible mortgage available to you. If staying with your existing mortgage provider is the best option for you we can advise and secure the product for you.
HOME MOVERS
If you are thinking about selling your home and buying a new one, we can help you decide if it is better to stay with your existing mortgage and mortgage provider or take advantage of one of the current options available. We will compare your current mortgage and costs to move lender against mortgages available from the whole of the market, taking account of your priorities and circumstances and provide you with clear advice regarding which is the best option for you, whether that be based on total cost, lowest monthly payments or features of the mortgage product. If staying with your current provider is the best option for you we can advise and secure the mortgage for you.
BUY TO LET
Are you looking into buying your first rental property or are you thinking of moving and renting out your current property? Alternatively, you could be a professional landlord looking to expand your property portfolio? We will search the whole of the market and offer you 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 your investment for any potential property investment you are looking to make. Compare these against other properties, alternative types of property such as HMO’s and other types of investment to make sure you have all the information available to you.
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 looking to release some equity from your property to unlock some funds we are qualified to advice on a range of lifetime mortgage products for the over 55’s. 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 lifetime mortgages for further details.
CONTRACTOR/SELF EMPLOYED MORTGAGES
If you are on a fixed term contract, an hourly or day rate, or in receipt of CIS vouchers, there are a number of lenders that specialise in this area. This is also true for self employed, whether you are a sole trader, partnership or limited company and maybe have a limited track record, 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.