Mortgages
Buying a property is a big decision and receiving the right information and guidance is important.
All Mortgage Solutions provides experienced advice to a wide range of clients including first time buyers, remortgaging clients, self build clients, commercial mortgage clients and clients who want to release equity.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Whatever your situation, you can rely on All Mortgage Solutions to make the mortgage process as seamless and stress-free as possible.
Mortgage Calculator
Our Commitment to You
Buying your first home, moving home, reorganising your finances or reviewing your insurance protections are all times when you’re making important financial decisions, we understand this can be stressful. We’ll keep you updated and always return calls, we work with you, and for you to help you achieve your goals.
We will guide you through the entire mortgage process and are committed to achieving an outcome that is best for you and tailored completely to your needs and circumstances, whether it’s your first step on the property ladder or you’re an experienced landlord reviewing your portfolio, we are confident our advice and customer service will prove invaluable in your journey.
We welcome any enquiry, even if you’ve been turned down by other lenders or brokers. With our access to the leading lenders in the market and attention to detail we are confident we will be able to find the right product for you.
We pride ourselves on offering a wide range of products to find the best fit for you. We can offer a home visit or if you prefer you can come to the office, whatever you feel most comfortable with.
F.A.Q's Mortgages
We help clients with various credit positions, having good credit helps greatly, but if you have adverse information reducing your score there are lenders who can assist if we can demonstrate financial stability and the ability to honour the mortgage commitment.
Every client is different and there are thousands of mortgage products available, when we meet to review your circumstances we will get to know your financial position and then advice you on the most suitable products and services that’ll assist you in achieving your goals.
Mortgage payments are most commonly made up of both capital and interest, the amount of capital you pay is determined by the size of your mortgage and length of time you plan to have the mortgage over. The interest is normally calculated daily, determined by the product rates charged by the lender and the size of your mortgage. We will help you understand how your mortgage payments are calculated.
Lenders will often lend up to 95% of a properties value, so a minimum deposit of 5% of the purchase price is normally required, there will be legal costs in addition to your deposit. There are Government assisted schemes where it is possible to buy with less of a deposit, contact us and discuss what you’d like to achieve and we can advise you of the possible ways forward.
Lenders will require supporting documentation to confirm your identity and address, most will request payslips, P60 and bank statements too. Each lender and application is different.
It is common for the lenders to offer introductory deals for a 2, 3 or 5 year period, so although your mortgage may be over a 5 to 40 year period it is likely that we’ll arrange the mortgage with a plan to review your requirements at the end of the initial product.