ADAM’S MORTGAGE GROUP

Adam’s Mortgage Group provides whole of market advice on residential and buy-to-let mortgages with access to over 90 lenders and thousands of products.

Our Mission: We’re not here to reinvent mortgages, we’re here to make the mortgage journey clearer, the process easier and the experience excellent.

ADAM’S MORTGAGE GROUP

Adam’s Mortgage Group provides whole of market advice on residential and buy-to-let mortgages with access to over 90 lenders and thousands of products.

Our Mission: We’re not here to reinvent mortgages, we’re here to make the mortgage journey clearer, the process easier and the experience excellent.

WE CAN HELP WITH…

First Time Buyers
Buy-to-Let
Remortgages
Second or Holiday Homes
Purchase Schemes

Home Movers
Portfolio Landlords
Additional Borrowing
Limited Companies
Life & Home Insurance

For New Build and Low Credit mortgages, keep scrolling!

Whilst we cannot directly offer advice around commercial mortgages, equity release, second charge lending and conveyancing, we work closely with a number of trusted partner organisations that will be able to assist you with these transactions.

If you need support with financial advice or writing a will, we will be more than happy to guide you and point you in the right direction.

Whatever your mortgage requirements are, get in touch with us to review your options.

Contact Us

WE CAN HELP WITH…

First Time Buyers
Buy-to-Let
Remortgages
Second or Holiday Homes
Purchase Schemes

Home Movers
Portfolio Landlords
Additional Borrowing
Limited Companies
Life & Home Insurance

For New Build and Low Credit mortgages, keep scrolling!

Whilst we cannot directly offer advice around commercial mortgages, equity release, second charge lending and conveyancing, we work closely with a number of trusted partner organisations that will be able to assist you with these transactions.

If you need support with financial advice or writing a will, we will be more than happy to guide you and point you in the right direction.

Whatever your mortgage requirements are, get in touch with us to review your options.

Contact Us

OUR AREAS OF EXPERTISE

Whilst we deal with all types of mortgage lending and more, we are passionate about New Builds and Low Credit mortgages.

Click on the relevant link for more information:

A trading style of Adam’s Mortgage Group Ltd

A trading style of Adam’s Mortgage Group Ltd

OUR AREAS OF EXPERTISE

Whilst we deal with all types of mortgage lending and more, we are passionate about New Builds and Low Credit mortgages.

Click on the relevant link for more information:

A trading style of Adam’s Mortgage Group Ltd

A trading style of Adam’s Mortgage Group Ltd

OUR FEES

We will complete our research and obtain an Agreement in Principle from the lender before we charge any fees. Our clients only pay a one-off broker fee of £395.00 on submission of a Full Mortgage Application. Should your mortgage not proceed, we will carry this fee over until your mortgage application completes.

We don’t increase our fees! Even if your situation becomes more complex or intricate than initially thought.

We provide fee-free advice around life, home and family insurance.

REFER A FRIEND

We all make recommendations to our friends and family members. So why not be rewarded for it? We all love an incentive, that’s why if you help your friend’s get the advice they deserve, we will reward both you and your friend with a £25 Amazon voucher each!

If you have friends or family members who will benefit from our service, get them to contact us today! When your friend contacts us, they need to provide us with your details and as long as they tell us they have been referred by you, we will issue an Amazon voucher with a value of £25 to both you and your friend within 30 days of their mortgage completing.

Please click the following link to review our Refer a Friend Terms and Conditions:

REFER A FRIEND Ts AND Cs

OUR FEES

We will complete our research and obtain an Agreement in Principle from the lender before we charge any fees. Our clients only pay a one-off broker fee of £395.00 on submission of a Full Mortgage Application. Should your mortgage not proceed, we will carry this fee over until your mortgage application completes.

We don’t increase our fees! Even if your situation becomes more complex or intricate than initially thought.

We provide fee-free advice around life, home and family insurance.

REFER A FRIEND

We all make recommendations to our friends and family members. So why not be rewarded for it? We all love an incentive, that’s why if you help your friend’s get the advice they deserve, we will reward both you and your friend with a £25 Amazon voucher each!

If you have friends or family members who will benefit from our service, get them to contact us today! When your friend contacts us, they need to provide us with your details and as long as they tell us they have been referred by you, we will issue an Amazon voucher with a value of £25 to both you and your friend within 30 days of their mortgage completing.

Please click the following link to review our Refer a Friend Terms and Conditions:

REFER A FRIEND Ts AND Cs

OUR FEES

We will complete our research and obtain an Agreement in Principle from the lender before we charge any fees. Our clients only pay a one-off broker fee of £395.00 on submission of a Full Mortgage Application. Should your mortgage not proceed, we will carry this fee over until your mortgage application completes.

We don’t increase our fees! Even if your situation becomes more complex or intricate than initially thought.

We provide fee-free advice around life, home and family insurance.

REFER A FRIEND

We all make recommendations to our friends and family members. So why not be rewarded for it? We all love an incentive, that’s why if you help your friend’s get the advice they deserve, we will reward both you and your friend with a £25 Amazon voucher each!

If you have friends or family members who will benefit from our service, get them to contact us today! When your friend contacts us, they need to provide us with your details and as long as they tell us they have been referred by you, we will issue an Amazon voucher with a value of £25 to both you and your friend within 30 days of their mortgage completing.

Please click the following link to review our Refer a Friend Terms and Conditions:

REFER A FRIEND Ts AND Cs

FAQs

See our most commonly asked questions below:

Q: I don’t know much about mortgages, how does it all work?

A: We have provided an overview of the mortgage process which you can find on our mortgage page.

Q: How long does a mortgage application take?

A: If you are refinancing a property you own, the average timescale from full application to completion is usually 4-6 weeks. For purchase applications, the average timescale is usually 8-12 weeks.

Please note, these timescales are indicative only and not guaranteed as the length of time to complete your purchase or remortgage will depend on a number of factors.

Q: What does Loan-to-Value mean?

A: Loan-to-Value is the amount you owe on your mortgage compared to the property’s full market value expressed as a percentage. The Loan-to-Value will be a consideration which determines the interest rate offered by your mortgage lender.

For example, if your property is valued at £200,000 and your mortgage has a balance of £150,000, the Loan-to Value would be 75%.

Q: I need to reduce my monthly outgoings, can you help?

A: Absolutely, as your mortgage can be your largest commitment, it is important to regularly review your options as a decrease in interest rates could save you £££’s.

Q: I’ve been to my bank but they won’t give me a mortgage, can you help?

A: Yes, not all lenders or banks are the same. The same goes for their mortgage eligibility and affordability. If you have been turned down by your bank, get in contact with us to review all of your mortgage options. We will confirm the maximum amount you can borrow plus the interest rate which you will be eligible for.

Q: What types of appointments do you offer?

A: We offer appointments via Telephone or Video Call. Face to face appointments are available within Dorset.

Q: What documents will I need to supply?

A: The main documents required are Identification, (Passport/ Driving Licence), 3 months’ bank statements plus your latest 3 months’ payslips if employed or latest 3 year’s Tax Calculations and corresponding Tax Year Overviews if self-employed.

Q: Do I need to be ready to proceed before I get in touch?

A: No, you can contact us whatever stage you are currently at. We are more than happy to help clients regardless of their current circumstances and weather or not they are ready to proceed.

Q: What lenders do you work with?

A: We work with all lenders across the United Kingdom who deal with intermediaries, that’s over 90 lenders and thousands of products!

Q: How much deposit do I need?

A: The minimum deposit required is 5%, however, there are some schemes which do not require a deposit but may require assistance/security from a family member.

Q: What types of deposit can I use?

A: When purchasing a property, there are various types of deposit you can use including savings, gifts from friends/family members, raising funds on another property you own or by completing a concessionary purchase. If the deposit type you are looking for is not listed, let us know and we can advise you if the source of your deposit is acceptable.

Q: How much can I borrow?

A: Affordability is calculated differently for each lender. Some lenders only take a proportion of variable income such as commission and bonus whereas other lenders will accept 100% of this income. Also, the types of income which are acceptable vary from lender to lender. Please contact us and we will be more than happy to run an affordability calculation for you.

Q: Do all lenders offer the same mortgage amount?

A: No, the affordability calculations vary from lender to lender. The easiest way of finding out the maximum you can borrow is to ask us to do it for you, we can search the whole of the market for the best mortgage to suit your needs.

Q: I already own a property, what can I borrow extra funds for?

A: Acceptable reasons for additional borrowing does vary from lender to lender, however, the main reasons for raising funds on your mortgage is to consolidate existing credit such as loans into your mortgage, raising funds for home improvements and raising funds to purchase another property such as a Buy-to-Let. There are many more reasons you could raise funds on your mortgage, if you have a specific need, please speak to us and we will let you know if your goals are achievable.

Q: I want to purchase a property with non-standard construction, can you help?

A: Yes, we have access to lenders who will provide mortgages for properties of non-standard construction. In these scenarios, it is best to provide us with the details of the property construction so we can discuss this with the mortgage lenders.

Q: Can you help me with a mortgage when buying a property at auction?

A: Yes, although auctions do allow less time to complete compared to purchasing a property through an estate agent or private sale, therefore, it is best to speak with us before the auction date so that we can pre-approve your mortgage.

It is important to note that if your bid is successful, you could lose the deposit paid to the auctioneers if you do not complete your purchase within their timeframes and you may be held liable for other costs.

Q: Can you help me find a solicitor?

A: Yes, we can help source and quote a solicitor to complete your conveyancing work. If you have a solicitor you would like to use, we will need to check they can act on behalf of the lender as they must be pre-approved by the lender.

Q: How much do you charge?

A: We do not charge any fees for completing our initial research and running a Decision in Principle. We charge a broker fee of £395 which is only payable on submission of your full mortgage application.

Q: What will a mortgage cost me?

A: Your monthly payment will depend on the amount of borrowing, the interest rate and the term. When we research your mortgage options, we will provide a breakdown of all costs and fees associated with your mortgage.

Q: I have been self-employed for less than 2 years, am I able to get a mortgage?

A: Yes, as long as you have completed your first tax return, we have access to lenders who will consider your income.

Q: I’m on a zero-hour contract, can I get a mortgage?

A: Yes, however, a majority of lenders will want to see you have been in the same job for a minimum of 12 months.

Want to ask your own question? Click below to send us your question

Ask your own question

FAQs

See our most commonly asked questions below:

Q: I don’t know much about mortgages, how does it all work?

A: We have provided an overview of the mortgage process which you can find on our mortgage page.

Q: How long does a mortgage application take?

A: If you are refinancing a property you own, the average timescale from full application to completion is usually 4-6 weeks. For purchase applications, the average timescale is usually 8-12 weeks.

Please note, these timescales are indicative only and not guaranteed as the length of time to complete your purchase or remortgage will depend on a number of factors.

Q: What does Loan-to-Value mean?

A: Loan-to-Value is the amount you owe on your mortgage compared to the property’s full market value expressed as a percentage. The Loan-to-Value will be a consideration which determines the interest rate offered by your mortgage lender.

For example, if your property is valued at £200,000 and your mortgage has a balance of £150,000, the Loan-to Value would be 75%.

Q: I need to reduce my monthly outgoings, can you help?

A: Absolutely, as your mortgage can be your largest commitment, it is important to regularly review your options as a decrease in interest rates could save you £££’s.

Q: I’ve been to my bank but they won’t give me a mortgage, can you help?

A: Yes, not all lenders or banks are the same. The same goes for their mortgage eligibility and affordability. If you have been turned down by your bank, get in contact with us to review all of your mortgage options. We will confirm the maximum amount you can borrow plus the interest rate which you will be eligible for.

Q: What types of appointments do you offer?

A: We offer appointments via Telephone or Video Call. Face to face appointments are available within Dorset.

Q: What documents will I need to supply?

A: The main documents required are Identification, (Passport/ Driving Licence), 3 months’ bank statements plus your latest 3 months’ payslips if employed or latest 3 year’s Tax Calculations and corresponding Tax Year Overviews if self-employed.

Q: Do I need to be ready to proceed before I get in touch?

A: No, you can contact us whatever stage you are currently at. We are more than happy to help clients regardless of their current circumstances and weather or not they are ready to proceed.

Q: What lenders do you work with?

A: We work with all lenders across the United Kingdom who deal with intermediaries, that’s over 90 lenders and thousands of products!

Q: How much deposit do I need?

A: The minimum deposit required is 5%, however, there are some schemes which do not require a deposit but may require assistance/security from a family member.

Q: What types of deposit can I use?

A: When purchasing a property, there are various types of deposit you can use including savings, gifts from friends/family members, raising funds on another property you own or by completing a concessionary purchase. If the deposit type you are looking for is not listed, let us know and we can advise you if the source of your deposit is acceptable.

Q: How much can I borrow?

A: Affordability is calculated differently for each lender. Some lenders only take a proportion of variable income such as commission and bonus whereas other lenders will accept 100% of this income. Also, the types of income which are acceptable vary from lender to lender. Please contact us and we will be more than happy to run an affordability calculation for you.

Q: Do all lenders offer the same mortgage amount?

A: No, the affordability calculations vary from lender to lender. The easiest way of finding out the maximum you can borrow is to ask us to do it for you, we can search the whole of the market for the best mortgage to suit your needs.

Q: I already own a property, what can I borrow extra funds for?

A: Acceptable reasons for additional borrowing does vary from lender to lender, however, the main reasons for raising funds on your mortgage is to consolidate existing credit such as loans into your mortgage, raising funds for home improvements and raising funds to purchase another property such as a Buy-to-Let. There are many more reasons you could raise funds on your mortgage, if you have a specific need, please speak to us and we will let you know if your goals are achievable.

Q: I want to purchase a property with non-standard construction, can you help?

A: Yes, we have access to lenders who will provide mortgages for properties of non-standard construction. In these scenarios, it is best to provide us with the details of the property construction so we can discuss this with the mortgage lenders.

Q: Can you help me with a mortgage when buying a property at auction?

A: Yes, although auctions do allow less time to complete compared to purchasing a property through an estate agent or private sale, therefore, it is best to speak with us before the auction date so that we can pre-approve your mortgage.

It is important to note that if your bid is successful, you could lose the deposit paid to the auctioneers if you do not complete your purchase within their timeframes and you may be held liable for other costs.

Q: Can you help me find a solicitor?

A: Yes, we can help source and quote a solicitor to complete your conveyancing work. If you have a solicitor you would like to use, we will need to check they can act on behalf of the lender as they must be pre-approved by the lender.

Q: How much do you charge?

A: We do not charge any fees for completing our initial research and running a Decision in Principle. We charge a broker fee of £395 which is only payable on submission of your full mortgage application.

Q: What will a mortgage cost me?

A: Your monthly payment will depend on the amount of borrowing, the interest rate and the term. When we research your mortgage options, we will provide a breakdown of all costs and fees associated with your mortgage.

Q: I have been self-employed for less than 2 years, am I able to get a mortgage?

A: Yes, as long as you have completed your first tax return, we have access to lenders who will consider your income.

Q: I’m on a zero-hour contract, can I get a mortgage?

A: Yes, however, a majority of lenders will want to see you have been in the same job for a minimum of 12 months.

Want to ask your own question? Click below to send us your question

Ask your own question

CONTACT US

How to get in contact with us:

WhatsApp:
07961 274436

Phone:
03451 632163

Email:
info@adamsmortgagegroup.co.uk

Follow Us:

CONTACT US

How to get in contact with us:

WhatsApp:
07961 274436

Phone:
03451 632163

Email:
info@adamsmortgagegroup.co.uk

Follow Us: