Here at Risinghurst Mortgages we have access to whole of market lenders.
What does that mean for our clients?
It means that all lenders available through intermediaries will be available to us, helping you get the best possible mortgage.
We know that during your mortgage process you will meet and deal with various people who will all play a vital role in your journey therefore we want to make sure that as far as Risinghurst mortgages go, all the advice and guidance you receive from us is
Direct . Approachable . Transparent
We know that it can be difficult to get updates from everyone, the estate agents, the solicitors, Surveyors & lenders, that's why we do all the 'chasing' for you.
First time Buyers
As a first time buyer we would always recommend speaking to one of our advisers first before beginning your property hunting. we believe that the best start to the process is one where you know exactly what position your in, find out how much you could borrow, what deposit you might need and any other related fees such as paying for solicitors &/ Valuations.
Buy to Let Properties / Investors
There are many ways of getting onto the Buy - to - Let ladder or adding another property to your existing portfolio, similar to First time buyers we would recommend speaking to one of our experts first to find out what your buying power will be as the lender will consider various factors when it comes to Buy - to - Lets such as, the rental income of the property, your deposit and in some cases your salary could be used to increase borrowing.
If your looking to move home we would recommend speaking to your local estate agents and one of our team first, finding out how much your current property is worth along with any additional borrowing you might need, will give you your purchasing figure.
In the majority of cases, re-mortgaging should be fairly straight forward as there is no physical moving involved, its all about getting the ball rolling and cracking on with the application and relevant paper work. We recommend speaking to one of our advisers about 3 months before your current deal is due to expire to ensure that we avoid where possible, that you don't fall onto your current lenders Standard Variable Rate (SVR).
We believe that decisions made in the past shouldn't hold back your future, that's why we are here to help our clients that have been told 'they will NEVER GET A MORTGAGE because of their poor credit score, we are here to tell you that its all a MYTH! Yes even with a poor credit score we can help you buy your first property and even remortgage.
You may have decided that you need to borrow additional funds for various reasons, perhaps your thinking of booking your dream holiday or purchasing a new car? You may have accumulated some unsecured debt and want to consolidate this onto your mortgage, or perhaps its time to finally get round to those needed home improvements! Whatever the reason (subject to lender T&C's) we recommend speaking to an advisor first before going ahead with any bookings or perhaps spending funds you anticipate you will be able to borrow. You will find yourself in a much better position when you find out what your borrowing power could be which will help you make an informed decision on whether further borrowing is right for you at this stage.