Purchase

Purchasing a property is a big decision in any ones life, that's why it is so important to get it right first time!

Buying a property can be exciting as well as daunting. Lenders do not always consider or make allowances for peoples circumstances. They underwrite in a strict format that at times penalises what we class as good genuine buyers and results in applications being declined.

The new affordability rules have had a massive negative effect on new lending, of course it is not correct for clients to stretch themselves to a point where it gives them money troubles!

This is where our advisers can help in advising clients to reduce their monthly commitments. This can be achieved by paying unnecessary debt off. Of course this would need to be planned well before a loan is applied for. This could mean the difference between being accepted for a mortgage or being declined.

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

 

The mortgage process can be stressful and that is why it is recommend to use a qualified mortgage adviser who will take all the hassle and stress out of the process for you.

Once a purchase has completed we continue to look after your best interests by contacting you when your existing mortgage is coming to an end. We offer a comprehensive range of mortgage products from across the market. We off both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender. We will select the one which will give you the most suitable deal for your circumstances, needs and preferences. As mortgage rates can change on a daily basis our experienced advisers can advise you on a suitable deal based on your needs, circumstances and preferences.

Call Barry Fox or Chris Johnson on 01642659500 or email ken@ayton-law.co.uk barry@ayton-law.co.uk or chris@ayton-law.co.uk.

WE ADVISE AND ARRANGE MORTGAGES THROUGHOUT TEESSIDE: MIDDLESBROUGH, ACKLAM, MARTON, NUNTHORPE, STOCKTON ON TEES, SALTBURN -BY-THE-SEA; HARTLEPOOL AND IF YOU ARE LOOKING FOR A MORTGAGE WE COVER, MIDDLESBROUGH, STOCKTON ON TEES, HARTLEPOOL, REDCAR, SALTBURN, AND WHITBY; NORTH YORKSHIRE: YORK, RICHMOND, CATTERICK, AND RIPON; LEEDS AND HARROGATE, WE COVER TYNE & WEAR: NEWCASTLE UPON TYNE, SUNDERLAND, COUNTY DURHAM, AND GATESHEAD, WE WILL GIVE YOU ADVICE FROM THE WHOLE OF MARKET WITH MORTGAGES IN YOUR HOME, YOUR PLACE OF WORK, AND AT OUR OFFICE.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT