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Mortgage advisors – Girvan

Girvan mortgage advice service

Along with a few other places in Ayrshire, Girvan is considered one of the most affordable coastal towns in the UK. The reasonable housing market makes the areas a great option for prospective homebuyers or portfolio landlords with an eye for investing.

Navigating mortgages can be complex, but you’re not alone on this journey. Having a mortgage adviser on your side will help ensure a smooth experience. Local mortgage advisers are experienced in finding suitable mortgage deals and simplifying the application process.

With our experience as a mortgage broker for Girvan, we’ll provide tailored guidance on your mortgage options. Our mortgage broker services cover all types of clients, from first-time buyers to self-employed professionals.

First-time buyer mortgages

Buying your first property comes with challenges, and it’s our mission to make your first-time mortgage process as stress-free as possible.

As your home financing adviser, we’ll support you every step of the way. With our guidance and clear mortgage solutions, you’ll have all the information needed to buy your first property. We’ll explain everything first-time buyers need to know, and we want you to ask us questions. After all, that’s what our mortgage advice service is for.

We’re always looking at the Girvan mortgage market to ensure we get the perfect rates for you. As a highly trained and experienced mortgage broker, we’ll provide professional, affordable, and reliable mortgage financial services for first-time buyers in Girvan.

Moving homes

Are you thinking of moving homes? Maybe it’s time to upgrade to a property with a view of Girvan Beach. Whatever your reason, Bespoke Home Finance will make the process easier with our expert mortgage advice services. Moving homes is a great opportunity to review your mortgage arrangements, and we can find a deal for you.

We take great pride in our work and take every detail into consideration when searching for your mortgage. We provide honest and transparent information and mortgage solutions to assist you in finding the perfect deal.

Remortgaging

If you’re interested in finding a deal, you’ll be used to shopping around. So, why not do that for your mortgage? An experienced mortgage broker can simplify the process.

If you’ve recently switched to the standard variable rate of your mortgage, you’re paying more than what you used to at the initial rate. In this case, remortgaging could help you reduce your monthly payments according to your needs. Or, you may be refinancing to take an additional loan on your mortgage for home improvements or to support your child’s further education.

You have us as expert mortgage brokers to help you navigate a remortgage. We’ll guide you through the process, and offer expert advice and bespoke mortgage solutions to ensure you get the best deal possible.

Buy-to-let

When considering a buy-to-let mortgage, there are a lot of requirements to consider. The location of the property greatly impacts the mortgage offer. In South Ayrshire, year-round tourism enhances the rental potential of Girvan properties. At Bespoke Home Finance, our mortgage advice service will help you with the process.

Buy-to-let mortgages generally tend to have 1–2% higher interest rates, while the minimum deposit required is around 20% of the loan value. The projected rental income can also impact the amount a lender will offer.

Everyone’s circumstances are different, but we’re committed to finding you the perfect deal. Investing in Girvan property can make a huge difference to you and your family, and we’re here to help you.

Your questions, answered

Read on for a better understanding of the mortgage process and to learn whether Girvan is the right location for your needs.

Why should I buy a new property in Girvan?

The coastal town of Girvan offers several unique benefits for its residents and visitors:

Affordable housing: The Ayrshire area offers competitive property prices, making Girvan an attractive option for families looking to settle down or for investors looking for value.

Nature: Girvan is located within the Galloway and Southern Ayrshire UNESCO Biosphere, offering amazing natural landscapes. Its award-winning beaches not only boast scenic beauty, but also feature easy wheelchair access.

Dog-friendly: Girvan is one of the most dog-friendly places in the UK. The town has several dog-friendly beaches and businesses proudly displaying stickers welcoming furry visitors.

Healthcare and schooling: This coastal town is well-equipped to support families at every stage of life. There is a community hospital along with two primary schools and a secondary school.

Do mortgage advisers charge a fee?

Yes. The cost of our mortgage broker and home financial adviser services will depend on your specific case and will be negotiated.

However, Bespoke Home Finance offers a free, no-obligation consultation, allowing you to get initial guidance from an expert mortgage adviser without any cost.

Can I remortgage if I have bad credit?

Yes, it is possible to remortgage your property if you have bad credit. However, keep in mind that the most favourable rates may not be within your reach. Lenders often charge higher interest rates to compensate for the risk associated with clients’ credit history.

The benefit of mortgage advisers under these circumstances is that we can help you navigate your options. We have the expertise to identify lenders with more flexible criteria. This can dramatically increase your chances of securing a good mortgage offer.

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Get advice from a mortgage broker in Girvan

Trust Bespoke Home Finance as your mortgage adviser in Girvan. We’ll help you secure your dream home. Reach out to us by filling out the form, dropping us an email, or giving us a call.

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    Bespoke Home Finance Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

    Registered in Scotland under company number SC493767. Registered office address: Challoch Inn, Bridge Of Aldouran, Leswalt, Stranraer, United Kingdom, DG9 0LJ.

    Trading address – 83 Princes Street, Edinburgh, EH2 2ER United Kingdom.

    Your home may be repossessed if you do not keep up with repayments on your mortgage.

    Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

    The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

    This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Our fee statement can be viewed here.

    The firm charge a fee between £0 and 1% of the value you need to borrow up to a maximum of £999. The fee will be payable on offer of the mortgage.

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