MORTGAGES

At Lee Fisher Mortgages, we recognise not only that there are many different types of mortgage, but there are many different types of homebuyer.

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First Time Buyer

Arranging your first mortgage can be bewildering: with hundreds of different products and companies competing for your attention, how can you be sure that you’ve made the best possible start to home ownership?

It may be your first mortgage, but in many ways it’s your most important – and we understand all the highs and lows of being a first-time buyer. Our role is to help you find the mortgage that suits you best.

We can advise you on everything you need to know. With the technology to research and compare fantastic mortgages available, we can advise on the competitive introductory offers and reasonable interest deals that meet your borrowing requirements. 

Next Time Buyers / Home Movers

As a Next Time Buyer - or Home Mover - you will probably have been through the mortgage process before. However conditions are almost certainly to have changed since you last moved, even if it was fairly recently. The last couple of years alone have seen great changes in the mortgage market: self-certification mortgages are no longer available, rates are changing constantly and lenders are tightening their lending criteria.

At Lee Fisher Associates it is not only important for us to find you a new mortgage, but also make you aware of market changes so you can pick the product that’s most suitable for you. With the technology to research and compare fantastic mortgages available, we can advise on the competitive introductory offers and reasonable interest deals that meet your borrowing requirements.

Remortgaging

Remortgaging – the process of transferring your existing mortgage to a new lender – isn’t nearly the complex process it used to be. Today many people regularly transfer their mortgage deals between lenders to enjoy a range of useful benefits:

Switching to a mortgage deal with a more competitive interest rate can reduce your monthly outgoings, potentially saving a lot of money – even in the short term.

Existing debts can be consolidated into one new mortgage, if there is sufficient equity in the value of your property.

Additional funds can be release through remortgaging, which can be used to pay for items that might otherwise require a bank loan, such as buying a car, making home improvements or taking a holiday.

If you are considering switching your existing mortgage deal, or have arranged a mortgage with an introductory rate that is soon to finish, you may be unsure what to do next. In our opinion, remortgaging is an opportunity to look for a mortgage product that is more competitive.

At Lee Fisher Associates it is not only important for us to find you a new mortgage, but also make you aware of market changes so you can pick the product that’s most suitable for you. With the technology to research and compare fantastic mortgages available, we can advise on the competitive introductory offers and reasonable interest deals that meet your borrowing requirements.*

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*Switching to another lender may incur additional charges.

Buy To Let / Landlords

The growth in the property rentals market means there has been vast growth in Buy To Let mortgages: in essence a special mortgage loan to buy a property which you wish to rent out.

Arranging a Buy To Let mortgage differs from arranging a mortgage to buy your own property. The amount you can borrow will mostly depend on the rental income alone, with many lenders reviewing the overall personal income and debt circumstances of an applicant. But while an individual’s personal financial situation can be complex, lenders are available that can accommodate most circumstances.

At Lee Fisher Mortgages, we are experienced in arranging Buy To Let mortgages, whether for clients buying their first rental property or for an experienced landlord. We also offer sensible, honest advice on the process: to begin with, we always recommend that aspiring landlords first seek advice before considering purchasing a rental property, so the legal and tax issues are understood before proceeding.

With the technology to research and compare the best mortgages available, we can advise on the most competitive introductory offers and the lowest interest deals that meet your borrowing requirements.

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Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

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For Solicitors, Estate Agents and Surveyors we act as introducers only.