Residential Mortgages

If you need a mortgage for your main residence, whether you are buying a new home or remortgaging your existing property, you will require a residential mortgage.

With so many residential mortgages to choose from, the best way of finding the right mortgage for your circumstances is to use an independent mortgage broker such as Affno Financial Services Ltd. We have access to all the mortgages on the market, with some great rates, as well as a number of exclusive deals, so should be able to find the right residential mortgage for you, whether you are a first-time buyer or remortgaging.

First time buyer

If you are a first-time buyer, choosing a mortgage may seem an extremely confusing process. How do you know whether now a good time to buy is? How much can you borrow and which is the right first-time buyer mortgage for your circumstances?

If you are buying your first home, the most important thing you can do is seek advice. This is where Affno Financial Services can help. We are here to help you with every step you make regards to mortgage.

We can help work out how much you can borrow on your first mortgage, discuss the types of loan available and recommend the right loan for your circumstances.

Remortgage

Most homeowners remortgage their home every few years to another fixed or discounted-variable rate loan, often with a new lender. Reasons for remortgaging include getting a better deal as most fixed or discounted rates run for a set period of time before you revert to your lender’s higher standard variable or ‘go to’ rate. Another reason to refinance your mortgage is to borrow more money.

Whatever the reason for your remortgage, Affno Financial Services Ltd can help with your refinancing. We have access to a wide range of remortgage deals, as well as a number of exclusive refinance options, so should be able to find the right remortgages deal for you.

Let to Buy Mortgages

You may not have heard of “let to buy” or may even have assumed that we meant to say “buy to let”. That’s because the let to buy mortgage scenario is an even newer concept than buy to let mortgages. This type of mortgage allows you to buy a new home but retain and rent out your existing one. As it’s such a new idea, there are still only a few lenders offering let to buy schemes but we’ll try to find the right one for you.