Mortgages

Most home owners will move house three or four times during their lifetimes and will require help and advice with each move. Many individuals will restrict their search by using a high street lender which though may satisfy borrowing requirements will not necessarily ensure the best deal is being obtained at the most competitive interest rate nor with the most versatile and cost effective product.

By using our services you will benefit from our knowledge of the various products available to you and be given experienced advice as to the suitability of the product we recommend.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Your mortgage may have been the best deal for your circumstances at the time but is it still performing as well as it could?
Remortgaging is a good way to escape high variable or fixed interest rates and more UK homeowners are moving their mortgages to save money. When you re-mortgage, you are essentially replacing your existing mortgage with a new one, shifting your debt from one lender to another.
In recent years remortgaging has become a much simpler and more common process. More lenders are offering specialist remortgaging services - some with free legal and arrangement fees.

As well as reducing your monthly payments, you can also use remortgaging to release the equity that's built-up in your property over time. If you have owned your property for several years, it could be worth more than your outstanding debt therefore taking out a larger mortgage could release some extra cash for home improvements or capital expenditure.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buying a house is one of the most important purchases you will make and buying a home for the first time can be a daunting prospect.
With so many factors to consider it can be difficult to know where to begin when looking for a mortgage.
We are specialists in providing mortgage advice to first time buyers. Since 2005, 25% of customers applying for mortgages through Marlborough Mortgage Services have been first time buyers.

There are a wide range of lenders providing a vast selection mortgage products to choose from. Useful though it may be to have plenty of choice, it can leave you feeling completely daunted and confused.

Rather than trawling the high street and agonising over your choice you could save time, and potentially a large amount of money, by contacting us and getting the very best mortgage deal for your situation.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

A buy-to-let mortgage (also known as an investment mortgage) is designed for borrowers who want to let their property out to a third party (i.e. tenants).
More and more people are investing in property as a long-term opportunity to make profitable returns, and as a way of securing finance for their retirement.
There are now plenty of competitive mortgage deals around that are specifically aimed at the buy-to-let market, ranging from special offer mortgage deals to fixed and variable rate options.

In addition, mortgage lenders will usually assess buy-to-let mortgages on the earning potential of the property (i.e. the rental income) as well as normal income.
You will be required to put down a deposit which will typically be larger than for a standard residential mortgage Although some lenders are relaxing the requirement, the expected income must normally exceed your mortgage repayments by a specified percentage. Your lender will also want to establish whether the property you are buying is a good long-term investment.

These products are not regulated by the Financial Services Authority.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

If you work in a profession recognised by the key worker scheme then we can help you find the right mortgage to match your needs. Most lenders have products suitable for key workers, our job is to help you find the one best suited to your requirements.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Many businesses, both small and large, will at some stage need advice on a property they may wish to purchase or a property they already own which they would like to remortgage.
There are numerous products available from a multitude of lenders. The key is to find the best deal available that meets the borrowers circumstances. Many high street lenders will insist on the business having certified accounts which show a level of profit required to service the mortgage. Other lenders are more flexible in their lending criteria but generally offer their products at a higher interest rate.

These products are not regulated by the Financial Services Authority.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE