When we decided to set up our company 25 years ago, we had a list of principles that we all stood by in our work ethics…
They did not change a bit. It was and still is a distinct desire to deliver secure diligent financial help, that would ease payingÂ mortgages off , just as well as the regular loans.
With the help of our financial advisors, thousands of people were able to achieve results such as:
- Securing a Lower Interest Rate for an overall Mortgage payment plan
- Shortening the Loan’s Term
- Converting Between Adjustable-Rate and Fixed-Rate Mortgages
With that in mind, we continue to implement our expertise to help hundreds of companies!
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Meet the Team
Arnold is one of the co-founders. He manages all the processes at our firm.
Derek, just as Arnold, is a Wall Street operative, with incredibly insightful skills…
Tom is also one of our 3 co-founders. He manages our equity loans…
James works the oldest of all non-founding managers. He leads our mortgages dept
Before assuming this role in June 2015, she served as CEO of our Latin America’s…
His global responsibilities include all Consumer and Commercial businesses…
Lionel has an extensive track record of transforming organizations through technology…
After Craig became our Senior Loan Officer, the number of our clients doubled!
With a top degree and practical business experience of 29 years, Diane is our senior HEL manager
Andrew is one of our best experts in the mortgage managing…
While Ben is our youngest employee, he already manages one department…
Mr. Cripsie earned his degree in accounting at the University of Notre Dame…
Q: What's a mortgage and why should I get it here?
A: A mortgage is basically a simple loan that allows you to buy a home or other property by securing the loan against the property you buy. You can read more about our taking a mortgage with us works by visiting our services page.
You can apply for a mortgage from a bank or other financial institution, such as a credit union, building society or specialist mortgage Borrower. We’re a credit union and a special financial institution. Although you can apply directly, usingÂ the advice of our independent mortgage specialists might help you find the deal that will be most beneficial for your money interests!
Q: What types of mortgages are there?
A:Â There are many different kinds of mortgage to choose from. All of them have varying features and benefits. Some of the more common types include:
- Standard variable rate (SVR) mortgages
- Fixed interest rate mortgages
- Tracker rate mortgages
Q: How much can I borrow for a mortgage?
A:Â This depends on a number of factors. Still, Borrowers are typically prepared to lend three times your salary or two-and-a-half times a joint salary.
They will also consider things such as any other source of income from a second job that you’ll prove to them, bonuses, tax credits, and maintenance payments and since lending rules were tightened, they also increasingly investigate borrowers’ ability to repay.
This means looking at your credit history and scoring it, just as well as on your monthly outgoings, examining not just how much you spend but what you spend it on, to help assess your ability to manage should interest rates rise.
Some providers will now offer four-and-a-half times your annual income – but the more you borrow in relation to your income, the more likely you are to fail MMR checks and to have your application to be declined.
Q: How much of a deposit do I need for a mortgage?
A:Â This will depend on your financial standing, the price of the property and your credit history…
Whilst ‘100% mortgages’ – where you can borrow 100% of the property’s value – have now almost entirely disappeared, it’s still possible to get a 95% mortgage, where you pay a deposit of 5% of the property’s value.
But many Borrowers ask for a 10% deposit or more, and many tend to save the best rates for borrowers with a deposit of 25%.
We review and accept business requests on a 24/7 basis.
Contact us nowâ€¦
Tips for Home Buyers
We understand all the ups and downs of the home buying process. That means that we will supply you with as many tips on mortgages as possible!