ARE YOU LOOKING FOR YOUR NEXT HOME?
You may have started to outgrow your home and need more rooms and space. Or you may just feel it’s time for a change of scenery. Whatever the reason, we are here to help you get the best value possible from your next home. So whether you buy either an older or a new build property, we can help you get the best deal.
One phone call will tell you:
- How much you could borrow
- The best options from the market not just your current lender
- The fees you will pay
- How much you are likely to pay each month
- What protection insurance you may need
- Pay our mortgage fee once and all future mortgages are free
IT’S ALL ABOUT GETTING THE RIGHT ADVICE!
You may be tempted to go back to your existing lender without looking at all of your options first. But remember they will only tell you about their mortgage schemes and there might be something much better out there with another lender. You may think this is the easiest and quickest solution but in one short phone call to New Homes we’ll tell you what we think your best option is, both from your lender and the rest of the lenders in the market.
Getting the right advice can save you a great deal of money. Mortgages are not all the same and we aim to find the best one for you.
Call us on 01543 454144 or request a call back.
BUYING A NEW HOME IS DIFFERENT
If you are thinking about buying a newly built home, you may not know that the lending policy for new builds is different to any other type of mortgage. Builders will often offer special incentives but these will only be accepted by lenders if they are in the correct format and not all mortgage advisers are aware of this, even those who work for lenders.
We are experts in these kind of mortgages and we can make sure that your lender will accept the incentives that you have agreed.
You don’t want to find out on completion day that you cannot have the package you negotiated.
We offer a refreshing new homes way to look at mortgages and once you have arranged a mortgage with New Homes, you never have to pay our mortgage processing fee again on any future mortgages you have with us. And, you have a customer liaison manager now and for the lifetime of your relationship with New Homes.
When your new mortgage deal comes to an end, we will contact you to find another great deal so you have the peace of mind knowing you have an independent source to check that you are paying the right mortgage rate.
ARE YOU LOOKING FOR A PART EXCHANGE DEAL?
Part exchange can be a great advantage and will help you avoid all the stress of trying to sell your own house. It will save you the hassle of managing and paying for estate agents, and worrying about if your house buying chain could fall through. It’s straightforward and makes your house move as easy as possible. However, some lenders do not allow these deals and have strict criteria on which incentives they will allow. We direct you to lenders who will agree to the incentive package and scheme you have put together.
LENDERS ARE NOT ALL THE SAME
There are huge differences between the maximum mortgage each lender will offer you. The table below shows just how 5 of the top lenders in the UK can vary using the same example client, with exactly the same income details (this was proposed on 31/03/2016)
Based on a joint application with combined incomes of £45,000 per annum and a car loan for £250 per month.