which mortgage is best for you

There are plenty of reasons for taking out a mortgage.  You may need to remortgage your existing home, be a first time buyer or be purchasing another property.

At Phone a loan we’ll help you find a mortgage that suits your individual needs, and the way we work is simple:

Firstly, we’ll allocate you a friendly, personal loan arranger who will chat through your exact position, then all you need to do is sit back and relax as we do all the hard work for you.  We’ll look to help you choose the right solution for you.

We could help whether you are employed, self-employed, have no proof of income or a less than perfect credit history.



First Time Buyer mortgages

If you are looking for your first step on the property ladder it is important that you find the right mortgage.  We can guide you through the process, step by step, and help you find the right mortgage for you.


New mortgages

If you have had a mortgage in the past and are now looking to purchase again we can help.  Using our knowledge of the mortgage market, we’ll find a solution to suit your individual needs.

Buy-to-Let mortgage

Now is an excellent time to invest in the Buy-to-Let market to generate an extra income through a rental property or even a property portfolio.  Whether you are an experienced property developer or are simply looking to relocate and keep your old property as an investment Phone a Loan could help.  We can help you to arrange a Buy-to-let mortgage to suit your circumstances.


Right-to-Buy mortgage

As a council tenant, the Right-to-Buy scheme enables you to buy your council home at a greatly discounted price.  This can be an excellent way to get onto the property ladder.  Phone a Loan are specialists in arranging Right-to-Buy mortgages to suit your personal circumstances.


Remortgages

Remortgages can offer you a way to reduce your rate or raise additional finance for home improvements such as a conservatory or a new kitchen.  You can also make sure the repayments are manageable by spreading the cost over a longer term.

You could Remortgage to:

  • Take advantage of the increase in the value of your home by releasing the equity and spend the additional amount as you wish
  • Save money by moving your existing mortgage to one with a lower rate.  This could be ideal if your existing mortgage is coming to the end of a special rate period
  • Pay off store cards and credit cards and spread the cost over a longer period which could give you one easy to manage monthly payment

Call today or enquire online to find out about mortgages with Phone a Loan

 
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The actual rate will depend on your circumstances.  Ask for a personalised illustration.  A fee may be payable on completion, typically £2000.  This fee may be up to 15% of the gross mortgage amount subject to a minimum of £250 and a maximum of £5000.  The precise amount may depend upon your circumstances. Mortgages: The overall cost for comparison is 9.5% APR.

Do you need a new car, desperate for a holiday, or is your home in need of some improvements? Whether it is a new kitchen, bathroom, conservatory or extension Phone a Loan is here to help! You can even borrow money for other purposes like wedding or civil ceremonies and to help pay for cosmetic surgery. Even if you have adverse credit, CCJs or arrears; whether you are on benefits or pensions or you have a discharged bankruptcy we will consider almost any circumstance. You could also consolidate all your existing credit cards, store cards and other loans with Phone a Loan which could give you a lower, more manageable monthly repayment and leave you with extra money to spend each month! Find out more about homeowner loans here.

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