What Services Do We Offer?
First Time Buyer Mortgages
Buying your first home can be an exciting but also a bit of a scary and mind -boggling process! We will take control and hold your hand through the process right up until you collect your keys ensuring that your journey is as stress free as possible!
Self Employed Mortgages
Being self employed can sometimes make getting a mortgage difficult , which is why it’s better to ensure you have a mortgage advisor who knows the mortgage market well to ensure you get the right mortgage based on your self employed income. Whatever your circumstances are, let us know and we can see what lenders are available to meet your mortgage needs.
5% Deposit Mortgages
We understand that in this day and age it’s not easy to put together such a large amount of deposit, but with 5% deposit mortgages on the market, we can help you find the right lender to get you onto the property ladder!
Buy to Let Mortgages
Are you a new or existing landlord? We can offer advice and guidance on your Buy to Let mortgage needs.
Bad Credit Mortgages
It’s disheartening when you walk out of the bank after being told ‘no’ to a mortgage because of bad credit. Thankfully, at Ultimate Mortgage Solutions we specialise in such cases;
· Missed Payments
· Defaults/CCJs
· Debt Management Plans
· Low Credit Scores
· IVA’s/Repossessions/Bankruptcy
· Pay day loans
· Low Credit Score
Allow us to find you a mortgage that works around your circumstances and turn that ‘no’ into a positive ‘yes’!
Help To Buy Schemes
There are various Help to Buy Schemes in place including the Governments Help to Buy Equity Loan, Shared Ownership, Right to Buy or the Mortgage Guarantee Scheme. We can help you apply for your Help to Buy Mortgage!
Additional services
Solicitor referrals
Bridging Loan
Secured loans/second charges referrals
Commercial lending
Business Protection
Pension/Will referrals
Your home may be repossessed if you do not keep up repayments on your mortgage
You may have to pay an early repayment charge to your existing lender if you remortgage
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
As with all insurance policies, conditions and exclusions will apply
Commercial Mortgages are not usually regulated by the Financial Conduct Authority
Wills are not usually regulated by the Financial Conduct Authority. Wills are arranged by Introduction only.
Typically, we charge a fee of £500 for arranging your mortgage, however the actual fee will depend on your circumstances and will not exceed 1% of the mortgage amount. The exact fee will be confirmed at the initial meeting.