HOUSE PURCHASE MORTGAGES
Moving house can be very stressful and can seem a very daunting task!
But not to worry, at Quay, we are here to help you every step of the way. Not just arranging the mortgage, we deal with the Estate Agent, Valuers and even the Solicitors too to make this as easy as it can be for you.
We are with you every step of the way, we will be your first point of contact during your new purchase, we will be there for you whenever you need us.
There are a range of mortgages on the market with deposits from as little as 5%, mortgages with free valuations and free legal costs, flexible mortgages where you can over pay, under pay and many more.
Not only will we arrange the Mortgage for you, we will advise on and arrange the Buildings & Contents Insurance, Life Insurance, Critical Illness Cover and Income Protection so there is no need to worry.
BUY TO LET MORTGAGES
We specialise in Buy To Let mortgages we have exclusive access to some products with only a 20% deposit needed and some rates from as low as 1.19%, furthermore in some instances there is no need to prove your income as the mortgages are assessed on rental income not your income.
Rapid expansion of your portfolio is supported in some cases as there are also mortgage products where there is only a 1 year tie in – if you are looking to expand your portfolio you can do the work that is needed within the first year to increase the value then if possible re mortgage to release equity and purchase another Buy To Let property!
We also arrange Buy To Let re mortgages so if you’re looking to release some equity, perhaps to expand your portfolio, for home improvements, debt consolidation, car or holidays, we can help.
A Commercial Mortgage can be used to expand your business premises or maybe to even buy a business, these type of mortgages are assessed differently by the lender; they don’t just look at the bricks and mortar, they will lend on the business itself.
Some commercial lenders will lend to raise extra funds for new machinery or equipment. But it doesn’t just stop there, they can lend you finance if you’re waiting for money to come through from an ongoing project.COMMERCIAL MORTGAGE EXPERTS
Have you recently been declined by your bank or are you experiencing financial difficulty?
We can help you!
We have access to the whole of the mortgage market and some lenders have products aimed at people with low credit scores, adverse credit and people that may have been declined by their bank.
Whether you are looking to purchase a new property or re mortgage there maybe a lender out there that will lend to you and that’s where we can help, we have access to the whole of the mortgage market so if there is a lender out there that can help you we will find them.
Offset Mortgages is a type of mortgage whereby you can offset your savings against your mortgage interest, this is how it usually works.
If you have a mortgage balance of £100,000 and a savings amount of £10,000 you will only get charged interest on a mortgage balance of £90,000 but you will not earn any interest on the savings amount of £10,000.
There are a range of different types of Offset Mortgages on the market why not give Quay a call today.
*correct as at 13/4/2020, each lender has their own requirements on criteria so you may not qualify for every available rate