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Buy your first home or move somewhere new with a residential mortgage
This is a mortgage where you plan to live in the property you are purchasing. As a rule of thumb, the amount you can borrow is simplified to 4.5 x your total income but this will then be subject to other variables which will be considered such as current debts and outgoings. There are lenders who will go above the standard 4.5 multiple, but their rates will often reflect the extra risk they are taking.
Loan to values of 95% of the purchase price are available with some lenders even going up to 100%, but the 100% mortgages are subject to their being a guarantor/someone willing to let the lender have a charge over their property as additional security, this is because a 100% mortgage is seen as the biggest possible risk to a lender so having a charge over an additional property gives them some security from day one. Whether you have a perfect credit history, a few historical blips, current defaults/CCJs or are even currently in a debt management plan (DMP) or 1 year discharged bankrupt, there are mortgages out there for you.
We also provide advice on Help to Buy, Shared Ownership, and Right to Buy.
See What Our Customers Think
As a first time buyer, I was a bit ‘in the dark’ with the whole process but I absolutely feel like I have sailed through with the help of Aaron... read more
Helped us enormously and I wouldn't hesitate to recommend the company. Aaron was really helpful and informative throughout the whole process. Thank you!
When we decided to buy a new home we where very unsure of the process of paying off our existing mortgage and applying for our new mortgage. After having the initial... read more
Aaron was absolutely incredible throughout the whole process, constantly going above & beyond to get our mortgage sorted efficiently. Aaron was always happy to help and answer any questions I had... read more
Thank you to Try Financial and especially Aaron for helping us buy our dream home. The whole process was made a lot less stressful thanks to your advice, chasing things... read more