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We specialise in helping people who find it difficult to obtain a mortgage or loan

Demand for housing is higher than the property available

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

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Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

Buyers Market

Whether the property is a listed building or in a conservation area

Current Account Mortgage

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

In many cases if approached sensibly, a happy medium can be reached

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

Negotiation with a lender is possible