Mortgages

At Adam’s Mortgage Group, we are dedicated to helping every client we work with obtain a mortgage that works for them, and a core part of that is giving advice, guidance and support every step of the way.

Whatever your mortgage needs, and regardless of your circumstances and current situation, we’ll work to get you the best mortgage deal on the market available to you.

Not only that, but we understand a mortgage doesn’t end with the signing of a contract, so our service means that once a client, always a client; if you have a question or query in the future about anything related to mortgages or insurance, we’ll be on hand to help you out.

Mortgages

At Adam’s Mortgage Group, we are dedicated to helping every client we work with obtain a mortgage that works for them, and a core part of that is giving advice, guidance and support every step of the way.

Whatever your mortgage needs, and regardless of your circumstances and current situation, we’ll work to get you the best mortgage deal on the market available to you.

Not only that, but we understand a mortgage doesn’t end with the signing of a contract, so our service means that once a client, always a client; if you have a question or query in the future about anything related to mortgages or insurance, we’ll be on hand to help you out.

First-Time Buyers

If you are a first-time buyer, we can help guide you through the mortgage process, from searching for a property to getting your keys. The buying of a house can be an overwhelming and stressful experience, and part of our role is minimising the strain as much as is possible.

We can offer advice around the options available to you, including the maximum amount you can borrow, and what you can expect in both the short and long-term from your mortgage. It is always best to review your mortgage options before looking at properties so you know what you can achieve.

First-Time Buyers

If you are a first-time buyer, we can help guide you through the mortgage process, from searching for a property to getting your keys. The buying of a house can be an overwhelming and stressful experience, and part of our role is minimising the strain as much as is possible.

We can offer advice around the options available to you, including the maximum amount you can borrow, and what you can expect in both the short and long-term from your mortgage. It is always best to review your mortgage options before looking at properties so you know what you can achieve.

High Loan to Value (LTV)

High Loan to Value mortgages are for those looking to purchase a property, usually with less than 10% deposit. You will usually need a minimum deposit of 5% of the property value.

High Loan to Value mortgages are usually subject to stricter criteria, tighter affordability calculations and higher interest rates.

To work out your Loan to Value, you divide the total mortgage amount by the property value x 100 = LTV expressed as a percentage.

High Loan to Value (LTV)

High Loan to Value mortgages are for those looking to purchase a property, usually with less than 10% deposit. You will usually need a minimum deposit of 5% of the property value.

High Loan to Value mortgages are usually subject to stricter criteria, tighter affordability calculations and higher interest rates.

To work out your Loan to Value, you divide the total mortgage amount by the property value x 100 = LTV expressed as a percentage.

Home Movers

If you are looking to move home – whether you are selling a property or just want to stop renting – we can help you find the best deal for your mortgage, streamlining the process and making your move as stress-free as possible.

Switching Mortgage Deals

It is always worth reviewing the rates offered by your existing lender compared to those offered by competitors. The very last thing you want is to end up paying more than you need to, and that means keeping an eye out for better deals, and switching lenders if needs be. By using a mortgage broker the hassle can be taken out of this process. At Adam’s Mortgage Group we can review all of the available options, take into account all fees associated with a new mortgage, and ensure you are getting the very best deal.

Home Movers

If you are looking to move home – whether you are selling a property or just want to stop renting – we can help you find the best deal for your mortgage, streamlining the process and making your move as stress-free as possible.

Switching Mortgage Deals

It is always worth reviewing the rates offered by your existing lender compared to those offered by competitors. The very last thing you want is to end up paying more than you need to, and that means keeping an eye out for better deals, and switching lenders if needs be. By using a mortgage broker the hassle can be taken out of this process. At Adam’s Mortgage Group we can review all of the available options, take into account all fees associated with a new mortgage, and ensure you are getting the very best deal.

Borrowing More

If you are looking to borrow more on your mortgage, it is vital to understand what you can and cannot raise funds for. For example, most lenders will allow you to raise money to cover the cost of home improvements, but if you want to raise money for business purposes, not all lenders will allow you to do this.

We can review all of the available options, help you get a better understanding of what you can and cannot do, and ensure that any decisions made work in the interests of the you.

Borrowing More

If you are looking to borrow more on your mortgage, it is vital to understand what you can and cannot raise funds for. For example, most lenders will allow you to raise money to cover the cost of home improvements, but if you want to raise money for business purposes, not all lenders will allow you to do this.

We can review all of the available options, help you get a better understanding of what you can and cannot do, and ensure that any decisions made work in the interests of the you.

Purchase Schemes

From Help to Buy Equity Loans, Shared Ownership and First Homes to Right to Buy. There are various purchase schemes available to help you purchase a property and it is not always easy to understand which scheme is right for you.

We are here to review all of the options available to you and can provide further information on any purchase schemes you may be looking to utilise.

Purchase Schemes

From Help to Buy Equity Loans, Shared Ownership and First Homes to Right to Buy. There are various purchase schemes available to help you purchase a property and it is not always easy to understand which scheme is right for you.

We are here to review all of the options available to you and can provide further information on any purchase schemes you may be looking to utilise.

Second Homes and Holiday Lets

When it comes to purchasing a second home or a holiday let property, there is stricter criteria compared to a standard property purchase and the affordability calculations can vary between lenders.

Whether you are looking to purchase a second home or a holiday let property, we can research the options available to you and help you understand any restrictions and/or rules imposed by lenders.

Second Homes and Holiday Lets

When it comes to purchasing a second home or a holiday let property, there is stricter criteria compared to a standard property purchase and the affordability calculations can vary between lenders.

Whether you are looking to purchase a second home or a holiday let property, we can research the options available to you and help you understand any restrictions and/or rules imposed by lenders.

Buy-to-Let

If you are looking to purchase a property with the sole purpose of letting it out, or already have a property which is let and want to renew your interest rate, we can help you find the very best deal available to you.

Buy-to-let has a different set of criteria compared to those used as part of attaining a residential mortgage, with the affordability calculated using a stress test based on the rental income; different lenders use different stress tests assessing the term of the fixed rate and property type, and we can help you not only understand the minutiae of this entire process, but ensure you get a mortgage that works for you.

Buy-to-Let

If you are looking to purchase a property with the sole purpose of letting it out, or already have a property which is let and want to renew your interest rate, we can help you find the very best deal available to you.

Buy-to-let has a different set of criteria compared to those used as part of attaining a residential mortgage, with the affordability calculated using a stress test based on the rental income; different lenders use different stress tests assessing the term of the fixed rate and property type, and we can help you not only understand the minutiae of this entire process, but ensure you get a mortgage that works for you.

Portfolio Landlords

Similar to the processes involved with buy-to-let, we can help portfolio landlords understand and acknowledge the nuances associated with attaining the right mortgage and helping to finalise a mortgage deal that is as beneficial as it is robust.

Portfolio Landlords

Similar to the processes involved with buy-to-let, we can help portfolio landlords understand and acknowledge the nuances associated with attaining the right mortgage and helping to finalise a mortgage deal that is as beneficial as it is robust.

Limited Company Buy-to-Let

Many people look to purchase Buy-to-Let properties for investments and some prefer to use a Limited Company or Special Purpose Vehicle, (SPV).

An SPV is a company set up for the sole purpose of Buy-to-Let properties.

We will be able to provide you with information on using a Limited Company or SPV to purchase a Buy-to-Let property.

Limited Company Buy-to-Let

Many people look to purchase Buy-to-Let properties for investments and some prefer to use a Limited Company or Special Purpose Vehicle, (SPV).

An SPV is a company set up for the sole purpose of Buy-to-Let properties.

We will be able to provide you with information on using a Limited Company or SPV to purchase a Buy-to-Let property.

New Build

For everything New Build, head to The New Build Mortgage Co page for more information.

Read More

New Build

For everything New Build, head to The New Build Mortgage Co page for more information.

Read More

Adverse Credit

If you have a low credit score or blips on your credit file such as late payments, defaults or CCJ’s, don’t assume you can’t get a mortgage.

Head to The Low Credit Mortgage Co page for more information on how we can help you.

Read More

Adverse Credit

If you have a low credit score or blips on your credit file such as late payments, defaults or CCJ’s, don’t assume you can’t get a mortgage.

Head to The Low Credit Mortgage Co page for more information on how we can help you.

Read More

Working with Partner Organisations

While 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 through the process.

Working with Partner Organisations

While 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 through the process.