Mortgages

First Time Buyer

Remortgage

New homes

Moving home?

Buy to Let

Commercial finance

Lifetime Mortgages

Lending into retirement

Equity Release

Whatever your circumstances, finding the most appropriate finance arrangement for your property purchase is essential and can at times prove to be a stressful and time consuming experience.

Through our close relationship with The Right Brokers, we can help address these challenges with mortgage advice and access to a wide range of loans and solutions tailored to suit your financial needs.

Our expertise includes mortgages and remortgages in:

Residential purchases
Buy-to-let purchases
New Build
First time buyers
Commercial finance
Bridging finance
Secured loans
Equity release
Over 50 lending / Lending into retirement

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Important things to think about: Stamp Duty

Freehold sales and transfers

You can also use this table to work out the SDLT for the purchase price of a lease (the ‘lease premium’).

Property or lease premium or transfer value	SDLT rate
Up to £125,000	Zero
The next £125,000 (the portion from £125,001 to £250,000)	2%
The next £675,000 (the portion from £250,001 to £925,000)	5%
The next £575,000 (the portion from £925,001 to £1.5 million)	10%
The remaining amount (the portion above £1.5 million)	12%

Example: If you buy a house for £275,000, the SDLT you owe is calculated as follows:

0% on the first £125,000 = £0

2% on the next £125,000 = £2,500

5% on the final £25,000 = £1,250

Total SDLT = £3,750

Correct as of 02/2020 taken from gov.co.uk

You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1%, but a typical fee is £495.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.