Mortgage Advice | Bespoke Home Finance

First Time Buyers 

At Bespoke Home Finance we can advise you on the purchasing of a property for the first time. We understand how stressful and complicated it can be being a first-time buyer & getting a mortgage. We also understand how exciting this is, as this is something you have been working towards for a long time. Our team at Bespoke Home Finance are here to help you by explaining everything that first-time buyers need to know. 

We offer a free, no-obligation consultation and advice that won’t affect your credit score.

Our dedicated first-time buyer mortgage advisors are there every step of the way, to guide you to buy your first property. It is our aim to streamline the back office process as much as possible to get you an offer on your mortgage in the quickest possible time. 

At Bespoke Home Finance we are constantly looking at the market to ensure that we get the best rates for you. As highly trained and experienced mortgage experts, we can provide you with professional, affordable and reliable mortgage advice. We are there to help you every step of the way. 

Moving Home

Are you thinking of moving home? Maybe it’s time to upgrade or start a family. Whatever your reason, we at Bespoke Home Finance can make the process a little easier. What a great opportunity to review your mortgage arrangements, so we can find the best deal for you. At Bespoke Home Finance, we take great pride in our work. Knowing we have taken every consideration into detail when searching for the mortgage, we know that you will be more than happy with the outcome. At Bespoke Home Finance you will always be provided with honest and transparent information, to assist you in finding the best deal. 

Remortgaging

If you are interested in finding the best deal for you I imagine you are used to shopping around. Well, why not do that for your mortgage? There are many reasons as to why a homeowner would do this. We are here to help you with that if you are trying to raise a large sum of money, consolidate debts or to pay for an extension to your existing home rather than having to move. 

You have us as experts to help you navigate a remortgage as there are a few things to think about first. If you remortgage your home there may be penalties for leaving a mortgage before it comes to term and a higher lending charge. We are here to guide you through the process to ensure that you get the best deal possible. With our team and their years of experience in the industry, we can secure better rates than most. For every remortgaging opportunity, speak to our team today. 

Buy-to-Let

When considering a buy-to-let mortgage there is a lot to take into account, especially if you plan on renting out the property to a third party. At Bespoke Home Finance, we are here to help you with the process. We aim to find you the best deal possible and we understand that everyone’s circumstances are different, but this investment can make a huge difference to you and your family. That’s why we are here to help you with all the facts and information we have, not only that but you will be getting advice from mortgage experts with years of experience. When looking at Buy-to-let mortgages they are generally between 1-2% higher interest rates and the minimum deposit required is around 20% of the loan value. It’s also worth taking into consideration the potential rental income as this can affect the amount a lender is prepared to offer. 

Other restrictions from lenders may also apply such as if you are a UK resident or an existing home-owner or even if you are at the minimum age. You will, however, be eligible for a range of tax deductibles. For more information about our buy-to-let mortgages, speak to a member of the team today. 

Advice From Bespoke Home Finance 

If you are looking for trustworthy and professional advice to guide you every step of the way, then look no further than Bespoke Home Finance. If you are looking to move home or even buy your first, we are here to help. Call us today on 03301112477 or fill in a contact form below. We look forward to hearing from you and remember, there is no obligation or no high-pressure tactics on ours. Based in Scotland, we offer our mortgage services in Edinburgh, Glasgow, Scotland and all across the UK too!

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