fbpx

Mortgage Services

Examining all of your alternatives is the only way to ensure that you have the best mortgage.

Our team at Walker Wylie are ready to explore the market for the finest mortgage options for you. We aren’t bound to any one lender or collection of lenders, so we can look at all of your alternatives and determine the ideal mortgage for you.

That is applicable whether you are buying your first house, moving up the property ladder, intending to withdraw some cash from your home for the next family, or investing in real estate.

Our mortgage consultations do not cost you anything, and because we are entirely independent, we can create the best solution for you.

We’ve been structuring mortgages on behalf of customers for many years, regardless of where they are on the property ladder, so you can trust us to provide you with good advice based on our extensive knowledge of the mortgage market and years of expertise.

We provide a personal and pleasant service to our customers and keep you informed at all times, whether by email, phone call, or in person. Our customers are assigned a channel of communication at the start of the process so that we can deliver a regular and unique service.

First Time Buyer

We recognise the importance of being able to move quickly and confidently in a fast-paced market.

You may speak with the mortgage advisor at your local bank, search the high street  or even browse the internet for appropriate offers but they are limited to their specific mortgage packages. We can provide unbiased assistance at no cost ensuring that your requirements are addressed before the lenders’ earnings.

pexels-karolina-grabowska-4397843
pexels-karolina-grabowska-4397843

We understand that as a first-time buyer, you will have a lot of questions that need to be answered. It’s not only about locating a place to live; you’ll also need to identify:

  • What deposit will I need to put down?
  • Where do I find the money for a deposit?
  • Can I lend money from the bank?
  • What’s the difference between different mortgages?
  • How long is the process?
  • Am I eligible for a mortgage?
  • What is the difference between the home report and the offered price?

We’ll look at Guarantor mortgages and Shared Owner/Equity mortgages in addition to traditional mortgages to provide you with a few more alternatives. We will assist you throughout the entire process after you have identified a home you want to buy, consulting with estate agents, attorneys, and surveyors as necessary and securing an Agreement In Principle (AIP) if required.


Remortgaging

If your existing arrangement is coming to an end or you’re paying your lender’s Standard Variable Rate (SVR), you might be able to save money by remortgaging.

We provide unbiased advice on whether you might cut your interest rate, lessen your monthly payments, unlock equity, or even shorten the duration of your mortgage.

pexels-olya-kobruseva-5428834_fotor
pexels-olya-kobruseva-5428834_fotor

Whatever your purpose for considering a remortgage, we will provide you with genuine, informed opinions and search the market on your behalf to locate the best mortgage packages available.

Reasons For Remortgaging

  • Shorten Mortgage Duration. With interest rates as low as they are, now could be a good time to think about shortening the time it takes to pay off your mortgage. As a result, your mortgage will be paid off faster, potentially saving you lots of money. This may be done in a number of ways, including using an alternative savings account in conjunction with your mortgage.
  • To Integrate. You may free up equity and pay off any obligations with higher interest rates than your mortgage by remortgaging. We can look at your current debts and determine if consolidating them is financially advantageous, allowing you to pay back less money over time.
  • Save You Money. You may lower your monthly repayments by switching lenders or continuing with your current lender but switching to a different arrangement, perhaps saving a lot of money.
  • Prevent Switching Home. When you consider the expenses of moving, such as lawyer fees, estate agency expenses, removal charges, and stamp duty, remortgaging and releasing equity to enhance or develop your property may make more financial sense.

Switching to a new mortgage arrangement might be advantageous whether you have had your current mortgage for a long time or are towards the end of your redeemable term. We can assist you with your remortgaging needs, no matter what they are.


Buy-to-let

The desire for rental property remains high in many regions of the nation, as many individuals continue to struggle to fulfill the financing standards necessary to buy their own house.

dsc_1457_fotor
dsc_1457_fotor

However, buy-to-let mortgages are more difficult to come by these days than in past years, with lenders asking bigger deposits of approximately 25% of the rental property’s worth in exchange for a buy-to-let mortgage. Furthermore, according to recent legislative changes, you will be required to pay a higher amount of stamp duty on an investment property.

When you search for a buy-to-let mortgage, the amount a lender is prepared to give is determined by the rental yield of the property. As a result, before opting for a buy-to-let mortgage, you should do your research and make sure your aspirations are reasonable.

You might also anticipate paying a higher interest rate on a buy to let mortgage than on a residential mortgage, as well as more arrangement costs.

There are several competitive options available, so contact us to find out which one is best for you. We also have exposure to lenders that can help with renovations and even properties that aren’t currently livable.


Book a Mortgage Appointment at No Cost

Examining all of your alternatives is the only way to ensure that you have the best mortgage.

We are ready to explore the market for the finest mortgage options on your behalf. We aren’t tied to any one lender or collection of lenders, so we can look at all of your alternatives and select the best mortgage solution for you.

pexels-andrea-piacquadio-3760067
pexels-andrea-piacquadio-3760067

That is applicable whether you are buying your first house, moving up the property ladder, intending to withdraw some cash from your home for the next family, or investing in real estate.

Our mortgage consultations do not cost you anything, and because we are entirely  independent, we can create the best solution for you.

We’ve been structuring mortgages on behalf of customers for many years, regardless of where they are on the property ladder, so you can trust us to provide you good advice based on our extensive knowledge of the mortgage market and
years of expertise.


Mortgage Calculators

Mortgage calculators are computer programs that allow users to calculate the financial consequences of changing one or more variables in a mortgage financing agreement.

Clients use mortgage calculators to calculate monthly payments, while mortgage lenders use them to assess a house loan applicant’s financial eligibility.

mediamodifier-i3hpuolh5ha-unsplash-2
mediamodifier-i3hpuolh5ha-unsplash-2

Repayment Calculator

Get a rough idea of how much your mortgage could cost over it's repayment period.

Results

Please enter the details within the calculator and press the "calculate" button to see the results.

Note: this calculator collects zero data and is run entirely within your web browser. Walker Wylie do not have access to anything typed into the calculator.

Security For Income

It is very important that you evaluate how you would pay your mortgage if for instance you had an accident and were unable to work.

By taking out income protection you provide yourself with a source to pay your mortgage if you were not able to attend work.

Get in contact with us today and we can discuss the optimal way to protect your mortgage income.

pexels-olya-kobruseva-7163955_fotor
pexels-olya-kobruseva-7163955_fotor

Plan Your Mortgage with us Today

  • This field is for validation purposes and should be left unchanged.