If you have credit card and other debts then you may want to consider consolidating them all into a new mortgage. We can help you to find a new mortgage that will suit your needs and save you money each month. The fact is that when you have a number of creditors you are paying out several lots of interest. When you consolidate your debts by getting a new or remortgage to pay them off, you will save money because you will only be paying one lot of interest each month. Paying compound interest to a number of different creditors will cost you a fortune; it is much cheaper and more straightforward to make just one payment a month.

We are a financial services company and we offer some great deals to people who are looking to consolidate debt with a new mortgage to save money. Why keep on paying out interest to a number of different creditors each month when you could reduce your monthly outgoings by consolidating those debts with a new mortgage. We can offer some great rates on new and remortgages that will help you to save money. In the present, global financial crisis everyone is looking to cut costs wherever they can. One of the easiest and quickest ways of reducing your monthly outgoings is to consolidate all your debts under one loan, that way you only have one payment to make each month. If you want to save money by consolidating your debt then why not get in touch with us to see what terms we can offer you on a new mortgage.

If you have been turned down for a short lease mortgage/remortgage then we can provide loans where other companies might turn you down. A lease on a property gives you the right to live in that property for a specified period. Most leaseholds run for about ninety years and these sorts of properties will have the same value for a mortgage provider as a freehold property. Leaseholds that are for thirty years or less are short leases and the majority of lenders will turn you down because short leasehold can devalue a property.

Some people will offer a short lease on a property with a view to extending the lease a couple of years down the line, although this may not be guaranteed and traditional lenders may not want to risk a loan for something that might not happen. We are pleased to offer short lease mortgage/remortgages where other lenders may have turned you down. We can also provide remortgages on leasehold properties. If your current mortgage is a variable rate mortgage then a remortgage loan from us could save you a considerable amount of money over time.

In the current economic climate a lot of people are finding it hard to make their mortgage payments each month, particularly if you have other debts. We offer remortgages that enable you to consolidate your other debts into your mortgage, which will lower your monthly repayments. Not everyone will benefit from consolidating their debts with a remortgage, but if you do have other debts and you are looking to consolidate them with a short lease remortgage then why not contact us to see what we can offer you.

The economic crisis has meant that property prices have fallen considerably and an increasing number of landlords are remortgaging their buy to let property to release some equity so that they can add another property to their portfolio. We can provide you with all the information you need on remortgaging a buy to let property to release equity. Some landlords need to release equity from their investment properties so that they can clear other debts. We would advise landlords to review their property portfolio from time to time as it is possible to save on mortgage costs.

While the base rate remains low it is a good time to remortgage a buy to let property as many lenders are currently reviewing their rates. Although the arrangement fees on buy to let mortgages can be expensive we often build these costs into the client’s mortgage. Even though property prices in many areas have dropped considerably, we can help you recognise that it might be better for you to refinance than to sell, over the long term. The fact is that when you remortgage to release equity for whatever reason the rent will continue to pay for the mortgage and because the money you get will be from realising the equity there will be no capital gains tax. We provide remortgages on buy to let properties for landlords who wish to release equity from the property or clear some debts. Why not get in touch to see if we can help with your buy to let remortgage

If you own your own home and you need to borrow a substantial sum of money then you might consider either a remortgage or the possibility of adding a secured loan to your mortgage. We can provide you with competitive interest rates if you want to add a secured loan to your mortgage. Whether you decide to remortgage or seek a secured loan both of these are secured against the value of your property. One of the reasons that some borrowers prefer a secured loan to remortgaging is that many loans afford greater flexibility in terms of payment holidays. We can provide specialist advice on what sort of remortgage or secured loan terms will best suit your needs.

You should check the interest rate on any secured loan along with the set up fees and what sort of repayment terms the lender is offering. Whether you choose a second mortgage or you want a secured loan that is added to your mortgage, you should get some expert advice. How much you can borrow will depend on the value of your home and your personal credit rating. If your credit rating is good then it is possible to borrow slightly more than the value of your home. We can get you some of the best deals on interest rates, especially if your credit rating is not all that good. The majority of lenders may still offer a secured loan to people with a bad credit history, but most of them will charge high interest rates. Why not check out what sort of deal we can offer you on a secured loan.

Mortgage with one year’s accounts

SA302 as proof of income

Are you self-employed looking for a mortgage and not sure who to speak to. Maybe your current mortgage lender has declined your application as you cannot provide 3 years of audited accounts. Or you have recently set up your own business and now finding it difficult to finance a new mortgage.

Here at J P Financial we have access to lenders who will provide a mortgage or remortgage upto  75% loan to value  for self-employed people with only 1 years accounts.  For better rates and more choice then 2 year accounts will be required, which is still better than the 3 years that some high street lender request.

If you are a sole trader and only use a book keeper to manage your accounts we can still help. Most lenders require that accounts are certified by a chartered accountant , however  we have some lenders who will except  SA302 as proof of income. If you file your own tax return on line and can provide your most recent SA302 then we may be able to help.

For more information on mortgages for the self-employed contact our dedicated mortgage team today 01202 512340. Lines open from 8am-9pm Monday to Friday.

Remortgage and consolidate debts today

Consolidate credit cards into one easy monthly payment.

As specialist mortgage brokers, we have access to a wide range of debt consolidation mortgage lenders. We can provide you with a choice of deals for both fixed and variable rate. Some lenders will let you remortgage up to 85% loan to value on a repayment or interest only mortgage basis.

Consolidation Secured Loans

If you are currently tied into your current mortgage you may find it prohibitively expensive to remortgage and consolidate debts. As some lenders redemption fees can run into the tens of thousands. If this is the case you may be better off using a secured loan to consolidate debts and then add the secured loan to the mortgage when you are free of penalties. Generally secured loan lenders charge 1 month’s interest for early repayment of a secured loan. However please check the terms and conditions with your current loan provider.

Consequently if you currently have a secured loan are out of the penalty period with you current mortgage provider, then we can provide you quotes for a new mortgage including the consolidation of the secured loan.

For more information on the best option for your situation contact our team today for a free no obligation mortgage quotes.  Lines open Monday to Saturday from 9am - 8pm 01202 512340

Currently we have a wide range of lenders providing buy to let remortgage deals.  If you are looking for a better rate on your current deal or looking to raise capital for home improvements then contact us today. We can provide you with a wide range of fixed and tracker rate buy to let mortgages for 1, 2, 3 or 5 years. These are available on both interest only and repayment.

You can remortgage up to 85% loan to value, subject to rental income and credit score.

We also have access to bad credit buy to let mortgages, if you have a CCJ, Default or missed payment on an investment mortgage, then contact our team today.

Some lenders will let you consolidate existing debts into a new mortgage, if you currently have credit cards, a personal loan, car finance or any other type of credit agreement we may be able to save you money each month with a new buy to let remortgage deal.

For more information contact us today 01202 512340 and speak to a dedicated buy to let mortgage broker. Lines open from 9 am - 8pm Monday to Saturday.

Most lenders these days will offer around 3 and 1/2 times your income for a new mortgage. However there are some lenders who will lend up to four times your income depending on credit score and deposit/Equity.

These days lenders have more sophisticated ways of calculating how much they will lend; it is nearly always taken on a case by case situation. Affordability is the keyword and many factors are now taken into account when lending such as:

Single or joint application

Do you have any children

How much credit has already been extended to you.

Your credit score

Employment status

Are you a professional (doctor, accountant, solicitor)

If you would like more information or to see if you qualify for a 4 times income mortgage call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for a mortgage adviser to call.

Click Here For Contact Us Form

Are you looking for an interest only mortgage deal and not sure where to look or who to ask
Here at J P Financial we can provide you with a wide range of quotes for both interest only and capital repayment remortgages.

interest only mortgage deals are available for both employed and self-employed people, we can provide you with quotes for fixed rates over 2, 3 and five year terms.

We can also advise you on tracker and variable rate mortgages, they are available from 2 - 3 years there are also some lenders currently offering life time trackers.

Whatever your situation contact our brokers today for more information on how we can help you.

Enter you details in the contact us form Once you complete the brief enquiry form, we will contact you to discuss your options. Or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage broker now.

Are you looking for the best remortgage rates and not sure where to look or who to ask
Here at J P Financial we can provide you with a  wide range of quotes for both interest only and capital repayment remortgages.

Best remortgage rates are available for both employed and self-employed people, we can provide you with quotes for fixed rates over 2, 3 and five year terms.

We can also advise you on tracker and variable rate mortgages, they are  avalaible from 2 - 3 years there are also some lenders currently offering life time trackers.

What ever your situation contact our brokers today for the best remortgage rates in the UK

For more inforamtion on how we can help you

Enter you details in the contact us form Once you complete the brief enquiry form, we will contact you to discuss your options. Or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage broker now.