Mortgage Services
At Mortgage Perspective, we’re experts in guiding you through every type of mortgage with confidence and ease. Whether you're a first-time buyer, looking to remortgage, investing in rental properties, or needing a specialist or commercial loan, we tailor solutions to fit your unique needs. Our knowledgeable team ensures you get the best rates and terms, making your mortgage journey smooth and straightforward. Trust us to make your financial goals a reality!
First-Time-Buyers
Buying your first home is a big milestone, and we are here to make it as smooth as possible. From understanding your budget to finding the right mortgage product, we guide you every step of the way. With access to a range of first-time buyer schemes, we can ensure you will get a mortgage that suits your financial situation and helps you achieve your dream of homeownership.
Remortgage
If you're looking to save money on your current mortgage or need to access some extra funds, our Remortgage options are here to help. Whether you're aiming to lower your interest rate, switch to a fixed-rate mortgage, or release equity for home improvements, we provide tailored solutions that fit your needs. Our experts will work with you to explore all the available options, ensuring you get the best possible deal while making the remortgaging process as straightforward as possible.
Refinance to Reimagine Your Future
We find out what your existing mortgage lender is offering and compare this with what is available from the rest of the market. We can start the process of arranging a new rate up to 6 months before your existing rate comes to an end, allowing a seamless transition to a new rate or lender.
Buy-to-Let Mortgages
Investing in property can be a smart way to build wealth, and our Buy-to-Let Mortgage options are designed to help you achieve your investment goals. Whether you're a seasoned landlord or just starting out, we offer flexible mortgage solutions that cater to your needs. We provide competitive rates, expert advice, and a smooth application process, making it easier for you to manage your rental properties and maximise your returns. Let us help you grow your property portfolio with confidence.
Invest in Your Future, One Property at a Time.
A Buy-to-Let mortgage is a specialised loan designed for individuals who wish to purchase residential properties with the intention of renting them out. This type of mortgage is ideal for property investors seeking to generate rental income and potentially benefit from property value appreciation. This mortgage type is suited for those looking to build a rental property portfolio or diversify their investment assets while generating steady rental income.
Shared Ownership
Shared Ownership is a government-backed scheme that allows buyers to purchase a share of a property, typically between 25% and 75%, while paying rent on the remaining portion, which is owned by a Housing Association. This makes it easier for people with smaller deposits or lower incomes to get on the property ladder. Our experts start by checking your eligibility based on income, residency, and credit history. Once eligible, we help you choose the property and apply for a mortgage to cover your share. We guide you through mortgage approval, liaise with the Housing Association, and handle the financial paperwork. Over time, you may choose to increase your ownership share through a process called staircasing, eventually owning the property outright.
Limited Company Buy-to-Let
Looking to grow your property portfolio through a limited company? A limited company buy-to-let mortgage lets you purchase or remortgage a property through your business rather than in your own name. This type of mortgage is designed for residential properties you’re already letting out, or ones you plan to have ready to let within a month of completion. Many landlords choose this route for potential tax advantages, greater flexibility in expanding their portfolio, and the ability to keep personal and business finances separate.
Specialist Mortgages
Are your circumstances outside of the ‘norm’? Maybe you have had problems with credit in the past? Are you on a fixed term employment contract? Are you on a working visa without indefinite leave to remain in the UK? Have you been told no by your bank? Speak to one of our experts to guide you to the most suitable lender. With a wide array of lenders and experience, let us find a solution for you.