- 1. How long does it take?
- 2. How much does it cost?
- 3. Do I have to prove my income?
- 4. I am worried about my credit rating. Will I be accepted?
- 5. What can I use the money for?
- 6. How much can I borrow?
Every mortgage has its own set of circumstances surrounding it
that will alter the length of time it takes to complete. These
can be things such as how long the 'chain' is in a mortgage
purchase, amount of references required, return of reference
coming back to us etc.
We have a very experienced team who are skilled in keeping these
to a minimum and have also developed relationships with providers
so that we are now able to submit full applications on line to
cut down on postal delays and responses.
A typical mortgage will take approximately 4-6 weeks from start
to finish, although many mortgages have completed well before this.
You want fee free mortgages? We will source them for you. But be aware, a fee free mortgage is not always the best mortgage. Lenders will generally charge higher interest rates to compensate for the fact that they are not charging fees. However, our advisors will ensure that the mortgage we provide will be the most suitable for you in terms of costs and fees, giving you full reasons why and explanations for your circumstances.
Mortgages nowadays can be provided on a self-declaration basis, whereby you make a declaration of your own income with little or no references taken. Let your advisor know and they will let you know for your circumstances.
We have access to many lenders who will accept an array of circumstances such as:
- Little to no credit history
- Missed loan / credit card payments
- Missed mortgage payments
- Defaults / CCJs
- IVAs / previous bankrupts
The overall cost for comparison is 7.2% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.
Whatever you like! If you're raising money, you can raise funds for any legal purpose. This can be (amongst others):
- Home improvements
- Debt consolidation
- Raising capital to buy another home
- Investment in your business
- Holidays
- Weddings
- Even a combination of above!
Please check with our trained mortgage advisors to see what mortgages will be available to you.
M² mortgages Ltd is an appointed representative of The Mortgage Times Group Limited which is authorised and regulated by the Financial Services Authority. The Mortgage Times Group Limited is entered on the FSA register http://www.fsa.gov.uk under reference 303007
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© M² Mortgages Limited 2006
M² Mortgages ltd is registered in England No. 5587240 at the above address. VAT registration number 872071136.
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