Mortgages

Mortgage advice for every need

Taking on a mortgage whether to buy your own home, or for investment reasons is one of life’s biggest financial decisions. Our experts provide independent mortgage advice and bring a wealth of knowledge, experience and understanding to this decision. Our independence ensures that you understand all of the available options in the market to enable you to choose which one is best suited to your specific needs.

Each mortgage consultant is fully CeMap qualified with over 20 year’s industry experience. Using the latest mortgage sourcing systems, our consultants assess the market daily to ensure they find you the best mortgage products available.

Whether you’re a first-time buyer, moving home, looking to re-mortgage or want to know the best fixed rates and trackers in the market, all of our mortgage consultants are qualified and experienced to find the right mortgage to suit your needs. Using a friendly professional service, our consultants will find you a competitive rate regardless of if this is your first mortgage or if you’re switching mortgages on your existing home.

The Ascot Lloyd mortgage advice service includes:

  • Re-mortgage to raise funds: can be a convenient way of raising some extra money to assist with home improvements, school/university fees, debt consolidation and/or medical costs.
  • Buy-to-let: (including re-mortgages and purchases) can assist you to buy a property to rent out, expand your property portfolio, and begin your own journey as a landlord.
  • Let-to-buy: involves releasing equity/deposit from your current home towards the purchase of new residential property. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss.
  • Equity release: is targeted at the 55’s and over to help meet their financial needs and/or support their loved ones. Equity release allows you to release cash from your property without the upheaval or expense of moving home, and what’s more, you are eligible to stay in your home until you decide you want (or need) to move.
  • Bridging loans: are considered as a short-term funding option. They are used to ‘bridge’ a gap between a coming debt and the main line of credit becoming available. These loans act as a short-term solution in pressing circumstances that help you to buy before you’ve sold your existing property.
  • Non-standard construction: most lenders will only lend on standard brick, tile, stone and slate construction properties. If the property you are looking to purchase/re-mortgage fits outside of this criteria then you can consider the option of ‘non-traditional’ properties.
  • Poor credit history: such as adverse credit, CCJ and missed payments.
  • Right-to-buy schemes: designed to help council and housing association tenants in England buy their home at a discount.
Our new app is here!
Download our new ‘My IFA’ app to get access to tax calculators, financial guides, expenses tracker and more. As a client you can also get full access to the Personal Finance Portal to view your investments and valuations.

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