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Mortgages

QUAY MORTGAGE SERVICES │ A TRUSTED MORTGAGE BROKER

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CHESTER’S ONE STOP MORTGAGE BROKER

Mortgages Explained

We are here to help, covering a wide variety of mortgages from first time buyers to commercial.
Contact us today for a free mortgage review and we can see what we can do for you

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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.

SPEAK TO A MORTGAGE EXPERT

REMORTGAGE / REMORTGAGING

Whether you are looking to get a lower interest rate on your existing mortgage, to raise extra capital for home improvements or maybe debt consolidation, we can help as we have access to exclusive rates from as little as 1.19%* with Free Valuation Fees & Legal Fees.

We cover the whole mortgage market to get you the most cost effective and suitable product on the market, we have state of the art technology that can source products within a matter of seconds.

REMORTGAGE ADVICE

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.

BUY TO LET EXPERT HELP

FIRST TIME BUYER MORTGAGES

There is nothing more exciting then looking to buying your first home, but many struggle when it comes to the mortgage and insurances needed.

This is where Quay Mortgage Services can help you, we’ll deal with the Estate Agent, Valuers and even the Solicitors too.
We are with you every step of the way, from day one we will be your first point of contact while buying your first home.
There is a range of mortgages on the market with deposits from as little as just 5%, mortgages with free valuations and free legal costs. As it’s you first mortgage be trusted that we will do all we can to find the right mortgage for your needs and affordability.
Not only can we arrange the Mortgage for you we can also arrange Buildings & Contents Insurance, Life Insurance, Critical Illness Cover and Income protection. But don’t worry, this sounds a lot but we’ll talk you over everything and only provide advice for the areas needed. We’ll even help you to re-mortgage once your first mortgage deal comes to an end.

FIND THE RIGHT FIRST MORTGAGE

COMMERCIAL MORTGAGES

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

OVERSEAS MORTGAGES

Are you looking to buy that dream holiday villa or apartment. Maybe you have had enough of the UK and are relocating abroad?

Well here at Quay we can help you, we have exclusive access to a range of lenders to arrange a mortgage for your overseas property.
Whether it to purchase a property overseas or re-mortgage overseas, we can help. There are lenders in the UK and abroad that we have access to.

GET STARTED WITH YOUR DREAM HOME

ADVERSE CREDIT

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.

HELP WITH POOR CREDIT MORTGAGES

LET TO BUY MORTGAGES

Do you want to Let your property out that you currently own to live in a new property or to buy a new property?

Some of the lenders on the market don’t allow this or may force you to go on a different mortgage product with a higher rate of interest, Let Quay see whats the best option for you.
We will compare what your existing lender is offering to what is available to you on the market.

LET TO BUY ADVICE AND HELP

OFFSET MORTGAGES

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.

OFF SET ADVICE AND HELP

*correct as at 13/4/2020, each lender has their own requirements on criteria so you may not qualify for every available rate