Whole of Market Mortgages
Your property may be repossessed if you do not keep up repayments on your mortgage.
We charge a broker fee for mortgage applications of £495 of which £150 is payable on receipt of the mortgage offer and the remaining £345 on completion of the mortgage. For complex cases the fee is a maximum of 2% of the loan.
Purchasing a property can be exciting and it may be that you have spent many weeks searching and therefore you want things to go smoothly when an offer has been accepted.
At PJH Mortgage Solutions Ltd we guide you through the process and help
We are able to research the whole market and find the right mortgage to suit your needs.
First time Buyer
Buying your first property can seem daunting at first. We can guide you through the various costs that you may need to pay for your purchase such as stamp duty and solicitors fees.
Our aim is to guide you through the process step by step and ensure that you are always kept up to date about the progress of your mortgage application.
We also provide an ongoing service by informing you when your mortgage product is due to end and review the best options for you.
You may be coming to the end of your current deal and about to go onto your lender’s standard variable rate, this could mean an increase to your monthly payments. We can help by researching the options for you with your current lender or remortgaging to a different one.
As a member of one of the UK’s largest networks called PRIMIS, we often have access to exclusive products, many of which have free legal fees and a free valuation which helps reduce the cost of moving your mortgage.
Buy to Let
Buying an investment property is different to buying a residential home as there are a number of other factors to consider such as ensuring the property is in an area with a rental demand and the amount of rent that can be achieved for the type of property that you wish to buy.
Most lenders will assess the borrowing amount not on your earned income but on the rental income that can be achieved based on a typical calculation of 125% to 145% of your monthly mortgage interest based on a typical stress rate much higher than your initial rate.
The Financial Conduct Authority does not regulate all Buy to Let mortgages.
Let to Buy
For many buyers, when they have found their new home it may be that they have been unable to sell their current one, and as a result, a growing number of people are keeping their existing property and becoming landlords themselves. As the demand for rental property is rising year by year and rental incomes increasing as a result, it has led to Let-to-Buy mortgages becoming more commonplace. This allows you to take a mortgage on your new home, whilst renting your existing home out to tenants.
If you have a certain amount of equity in your existing home, you could take out a let-to-buy loan by remortgaging your existing home, releasing funds to use as a deposit on your new property.
There are times when a customer does not fit the criteria for a remortgage or a further advance, or these options may not be in their best interests. Typical reasons for this include someone who has a low base rate tracker mortgage and wants to continue with this or has a high early repayment charge to move the loan.
We are able to refer you to our approved panel of master brokers who can assess your particular needs and guide you through the process.
Whether you are buying or selling a property or indeed both, then you will need to instruct a conveyancer to provide the legal requirements and ensure that this moves forward to completion.
We can instruct a conveyancer on your behalf from our preferred panel of companies which includes one of the largest providers of conveyancing services in the country.
As well as high street lenders we also have access to lenders that offer mortgages in niche areas such as only one-year self-employed, poor credit rating and contract workers.
Why Do I Need a Mortgage Broker?
Trusted by clients
Whole of Market
Frequently Asked Questions
Are you qualified and Authorised?
Yes. PJH Mortgage Solutions Ltd is an appointed representative of PRIMIS, one of the largest mortgage networks in the UK. Our FCA number is 746164.
Peter is also CeMAP qualified (Certificate in Mortgage Advice and Practice).
What does whole of market mean?
A whole of market adviser is an impartial intermediary who acts on behalf of the customer and not the mortgage lender. Unlike banks whom can only offer you their own products, whole of market advisers provide advice from a number of lenders which offers you a must wider choice.
How can a Mortgage broker help with the process?
Arranging a mortgage is not only about finding the lowest interest rate available, it is about matching the customer’s circumstances and requirements to the lender’s criteria as lenders all have different policies; we work on an advice and recommendation basis so only afterwards can we properly assess this.
A good mortgage broker will also have established relationships with account managers with the lenders which can prove invaluable as this can speed up the whole process and assist if there are any hiccups along the way
In addition, we liaise with you, the lender, the estate agent and the conveyancer/solicitor throughout which can help move things along and make the process smoother through to completion
“We used PJH mortgage solutions last year and the process was made very easy for us, we would highly recommend them for anyone wanting to remortgage as we did.”
PJH Mortgage Solutions Ltd trading as PJH Mortgage Solutions is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority (435779) for mortgages, protection insurance and general insurance products.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
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