Equity /Loan to value

All lenders look at home cash you are going to put into the deal to determine how much they are prepared to lender you. The more equity you have the better the interest rate will be and more lenders will be competing for your business. If you have a high loan to value mortgage, do not worry there are still lenders available.  But you will be restricted if you cannot meet the other requirements set out by the mortgage lenders.

Credit Score

Credit score is always important be it applying for a new credit card, personal loan or mobile phone contract. All lenders will run a credit check and each have their own system as to who they will accept. Bad credit mortgages are available and due to lenders constantly changing it would be wise to speak with our bad credit mortgage brokers for the latest rates.

Income

There are various ways you can prove your income and many people worry that they may not be able to prove all of their income with pay slips. Depending on the amount of equity you have and your credit score, it is possible to apply for a new mortgage without providing payslips or proving your income.

Interest rates.

With a new mortgage the question always comes up, do you fix or take a variable rate mortgage, there are always pros and cons to both types of mortgages. As for which way rates will move you will need a crystal ball and is not something we advise on but we can help you with your decision making.

For more information on the latest remortgage deals in the UK Click Here and enter your details to request a call back from our FSA regulated mortgage advisors. Or alternatively call 01202 512340 to discuss your mortgage requirements now.

Loyalty and length of time served are not rewarded in the mortgage market.

Changing from one mortgage provider to another is a simple and straight forward process, but many people are daunted by the process or simply do not have the spare time to do the research.

Here at J P Financial we not only search the whole of the market for you, but will complete all of the application on your behalf.

Some lenders do not always ask to see proof on income, they may not ask to see payslips or a P60. If you are worried that you may not be able to prove all of your income we may be able to help.

Mortgage lenders criteria changes on a regular basis, for more information on criteria, rates and deals click here and enter your details to request a call back  or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage advisor now.

Are you one of the many Estate Agents, Accountants, Solicitors, Commercial Brokers and Property Developers that are not regulated to provide mortgage advice, but are always being asked for advice by your clients? If you are, why not contact us today and turn those enquiries into a solid income revenue.

Introducer Partner Scheme Features

As an approved introducer partner you will receive a generous commission on the completion of any of the following referrals:

• Regulated mortgage business such as residential mortgages and re-mortgages
• Buy to let mortgages
• Secured loans
• Insurances - commercial and personal
• Investment business - pension transfers, investments etc

We are looking for people to introduce business to us and be paid for it.  No qualifications needed as you will not be expected or required to give mortgage advice to your clients.

Your clients complete a mortgage enquiry form that we provide and once you forward it to us with the information, we do the rest!!

Work from home as a mortgage introducer, top commission paid.

For more information on how to become a mortgage introducer call 01202 512340 today

Interest only or Repayment Deals

Employed or Self employed

Compare Tracker rate remortgages today

Are you a homeowner looking to secure a new deal for your current mortgage, we can provide you with a wide range of tracker rate deals from the whole of the market. Tracker rate mortgages can be for 2, 3 or 5 years.

When looking at tracker rate remortgage deals there are a number of considerations that you need to take into account. Some lenders will offer market beating tracker rates to propel them to the top of the best buy tables. But often there will be hidden clauses that could make the deal potential more expensive than you first thought.

Here at J P Financial we take the time to analyse all of the deals available, using specialist software that compare deals on a number of levels.  Not only saving you time and money, but making sure that the tracker rate mortgage deal is the most suitable for your situation.

If you would like more information on the best uk tracker rate remortgage deals click here to enter your details and request a call back from an FSA regulated mortgage broker. Or for more immediate advice and help call 01202 512340 now and speak direct with us.

Interst only or Repayment Deals

Employed or Self employed

Compare fixed rate remortgages today

Are you a homeowner looking to secure a new deal for your current mortgage, we can provide you with a wide range of fixed rate deals from the whole of the market. Fixed rate mortgages can be for 2, 3, 5 and 10 years.

When looking at fixed rate remortgage deals there are a number of considerations that you need to take into account. Some lenders will offer market beating fixed rates to propel them to the top of the best buy tables. But often there will be hidden clauses that could make the deal potential more expensive than you first thought.

Here at J P Financial we take the time to analyse all of the deals available, using specialist software that compare deals on a number of levels.  Not only saving you time and money, but making sure that the fixed rate mortgage deal is the most suitable for your situation.

If you would like more information on the best uk fixed rate remortgage deals click here to enter your details and request a call back from an FSA regulated mortgage broker. Or for more immediate advice and help call 01202 512340 now and speak direct with us.

To qualify for a buy to let mortgage, lenders have a different set of criteria they use to determine affordability.

The property must achieve a rental income that will sustain the mortgage payments. In recent years this has varied between 100% and 125% of the monthly mortgage payment.

If the monthly mortgage payment for your buy to let property is £100, then you would need to achieve a rental income of £125 if the lender has requested affordability to be 125% of the monthly mortgage payment.

Mortgage lenders criteria changes on a regular basis, for more information on criteria, rates and deals click here and enter your details to request a call back  or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage advisor now.

What we can do for you
Our aim is simple: It is to help you sell your property quickly. We can buy your house direct, to a timescale that suits you. We are a professional and reliable company with nationwide coverage.

How We Can Help
If you need to sell a house quickly, or to sell and rent back, you might be in any one of these situations:

Relocation: most of our clients have come to us wanting to sell a house quickly so they can move abroad or relocate to another part of the UK without the hassle of entering into a chain.
Facing Financial Difficulty: wanting to repay debts, hence selling and renting back might appeal to you.
Facing Repossession: it could be that you want to stop a repossession and need a home sale solution that will help you release equity and enable you to stay in your home long-term.
Going through a Divorce: even though the property needs to be sold you might want to continue living there, so the sell and rent back scheme could work for you.

How to Achieve a Quick House Sale
You’ve made the decision to sell your house quickly. Now comes the hard part - getting buyers interested enough in your property to put an offer in for a quick sale.

Traditionally, house sales in the UK are made through estate agents. The process can be quite protracted. It can be costly too, the estate agent taking a percentage of the price as payment for their property selling services. When you want to sell your house quickly this might not be the best route to take.

An increasingly popular alternative to selling your home through an estate agent is to advertise it for direct sale on the internet. There are many websites that now offer a ‘for sale by owner’ service. It certainly makes it cheaper to sell your house than through an estate agent, but it is still no guarantee of a quick sale.

The quickest and simplest route is to contact us as we have cash buyers waiting to purchase your property. We can complete in under 28 days.

For more information on this service please call 01202 512340 today.

For many people running up debts on credit cards loans, store cards and other types of finance can be a big worry, the monthly bills keep coming and the debts just seem to get bigger and bigger. You may think there is no way out of this situation. Dont worry there are options available to you. What ever your situation contact us to day and speak with experienced people who understand.

Debt consolidation remortgage

With a debt consolidation mortgage you can release the equity tied up within your house to clear your debts. As mortgage rates are normally cheaper than any other type of finance this can be a good option.

Secured loan

Another option for homeowners is to apply for a secured homeowner loan to consolidate their finances. These types of loans are also known as second charge mortgages. If you are currently tired into your current mortgage deal and have high exit penalty then this type of consolidation loan can be a better option.

IVA

Individual Voluntary Arrangement is a legal and government approved method of resolving debt that avoids the consequences of being made bankrupt. If you have over £15,000 to 3 or more creditors and can not afford to make the payment then you may be eligible for an IVA.

Debt Management Plan

A typical DMP consolidates all of a debtors unsecured debts into a single and more affordable monthly repayment which is then paid to creditors on a pro-rata basis over an agreed period of time. This payment is carefully calculated by a trained debt consultant who, with the debtor’s assistance will thoroughly review their current financial position before suggesting a figure that will put the debtor back in financial control.

For more advice on debt management Call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for an adviser to call. contact us

Home improvement loans will serve their purpose well if you take them for any of the following reason -

• Adding a new room like a bedroom
• Adding or remodeling a bath
• Adding or enclosing a garage
• Improving the kitchen
• Landscaping
• Health and safety repairs
• Electrical and Plumbing
• Roof, gutters, sewer or water lines repairs

Home improvement not only provides comfort and peace but it increases the value of your home. Home improvement help to build equity and achieve financial security.

Remortgage Release Equity For Home Improvements

Are you looking to raise money for a new extension to your home, carry out home improvements or raise further funds to complete the work already started.

As a homeowner you have a number of options available to you to increase the value of your property. You could remortgage to release equity for a loft conversion; some people take out a further advance to build an extension. You could remortgage release equity to paint and decorate.

Apply for a homeowner secured loan

Using a Secured loan for home improvements is a great option if you are currently tied into your existing mortgage and face heavy redemption penalties for leaving early. With a second charge home owner loan you can raise the money you require, complete your home improvements and then when you are free of redemption penalties consolidate the secured loan into your mortgage.

Remortgage to pay for a new Bathroom or Kitchen

Another option that many home owners choose is to simply remortgage and release the equity built up to pay for a new kitchen or bathroom. Remortgage for home improvements are available for interest only and repayment mortgages. There is a choice of fixed, tracker and variable rate mortgages available.

For more advice on which home improvement mortgage would be best for you contact our mortgage advisors today to discuss your requirements. Call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for a mortgage adviser to call.
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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 five 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 high income multiple 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.

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