Moving home can seem very daunting, where do you even start!!. At Hilton Bennett mortgage Solutions, both Jayne and Dawn, have helped hundreds of clients move house over the last 20 years, we have had some very smooth moves and some very challenging ones, you can be assured that whatever challenges arise, we have probably already dealt with that situation previously. Our expertise and experience could prove invaluable.
We can guide you every step of the way, from the initial consultation, to how much can you borrow, how much will it cost?, what are the fees?, how much is the valuation?, what solicitor should I use?, do I pay stamp duty?, all of which we can help you with.
We can liase with your solicitor, and we work closely with the estate agents, to ensure every one is kept informed, to keep the purchase moving smoothly.
We want you to move into your new home as quickly and smoothly as possible, with a mortgage and protection package, that fits your needs perfectly.
Whether you are coming to the end of your deal, and want to look at a new one, or you wish to reduce your monthly repayments, need a bit of extra cash for home improvements, or you want to pay off your mortgage quicker, We can access a wider range of products to source the deal that is suitable for you. Switching from one lender to another doesn’t have to be challenging, with Hilton Bennett, and our vast experience, we can do all of this for you. We can also advise you on the costs, to ensure you get the right deal for your situation.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
if you are considering consolidating debts a re mortgage could be a feasible alternative. I can discuss this with you to determine whether this is an appropriate solution for your needs. You do need to think carefully before securing debts against your home, and we can advise you on the implications of this.
Buy to Let – Portfolio and Non Portfolio
A portfolio landlord, is a landlord with 4 or more buy-to-let mortgaged properties
Buy to let mortgages allow you to invest in properties that may offer you a return on your investment, i.e. additional income from the rental payments, and property growth. Whether you are planning for your retirement, or you are a professional landlord, reliant on your properties for an income.
These types of applications are assessed differently, some are assessed on personal income and rental income, and some on rental income alone.
The interest rates you pay may be higher, a larger deposit may be required and the transaction may incur greater associated fees than a standard residential mortgage. This is where we come in to search the lenders and get you the right deal for you.
We want our landlords to be successful, in their ventures, and understand their role and responsibility as an established landlord. We can ensure you have the correct insurances in place, to protect your property and rental income, We can also review regularly, to make sure you remain on the best deals for your situation.