07931 737537 / 01474 887948
contact@quartzfs.co.uk

Your Home and Property

Mortgages

A house is usually the most expensive purchase we will ever make. Whether buying for the first time, re-mortgaging, or adding to a portfolio of buy-to-lets, so much of our financial security is tied up in property. For that reason, it’s important not only to find the best mortgage for you but also put plans and insurances in place to secure your home whatever happens.

  • What would happen if your property was damaged? 
  • How would you deal with a tenant being out of work, or evicting squatters without losing out on rental income?
  • How would you make monthly repayments if you were out of work due to ill health or redundancy? 
  • Who would inherit your home if the worst happened? 

The right mortgage is just the start. We can help you prepare for these scenarios so that you can make that all-important purchase with confidence. Rely on us to take care of the application process and keep on top of any deadlines. We’ll stay in touch in the long-term to ensure your mortgage still fits your personal situation and help you switch to a better deal when your agreement comes to an end. 

If one of the following sounds like you, talk to us and see how we can help:

First time buyer

Standard variable rates, repayment only, Loan To Value (LTV) – all of these terms can seem alien if you’ve never bought a property before. We’ll translate all the financial jargon to help you feel informed, confident and most importantly, excited about buying your first home. We’ll also give you tips on what to look for during your property search. Rest assured that when you talk to us, there are no silly questions!

Re-mortgaging

Switching mortgages can be a great way to free up cash for home improvements or make substantial savings on your monthly repayments. But moving to another provider may not always be as cheap as it seems.

We can scour the market for you and look at the finer details such as arrangement fees and the term of the loan to ensure you get the deal that’s most suitable.

Buy-to-let

Renting out property has become more of a minefield over the past few years with Income Tax, Stamp Duty and legislation changes, not to mention regulatory changes putting onto how lenders treat landlords they consider to have a ‘Portfolio’ of properties.  

With these changes, property investors are looking for rentals that are not just the traditional buy-to-let; Homes of Multiple Occupation (HMO’s) and Holiday Lets becoming popular.

As members of the National Association of Commercial Finance Brokers, we are well placed to ensure you have access to what you need as a property investor if you do now fall outside of traditional buy-to-let lending.

It’s more important than ever that you get the right advice, alongside an accountant or tax adviser to ensure that you hold the property in the right way; whether that’s in your personal name or under a limited company. 

We will work with you and your accountant in finding the answer to this and then arrange to best mortgage available to you and your circumstances.

We can also review mortgages and insurances for your existing let properties and portfolios and help you find the best deal. 

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Get in Touch

Find out what we can do to help you with your finances. Get in touch with us today!
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We are members of the NACFB (National Association of Commercial Finance Brokers)
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