Options
Mortgage Options
First Time Buyers
Thinking of getting on to the housing ladder, excited but unsure of how you can achieve your first home? We at HomeKey Mortgages will take you through the journey until you get your keys.
Next Time Buyers
Maybe its time to scale time up to that bigger property you have been dreaming about.
Here at HomeKey you will get help not only on how to sell your home.
You will also receive help on how to negotiate on your next purchase along with the budget planner so to make sure you have the required funds to complete your next purchase. Maybe its time to scale time up to that bigger property you have been dreaming about.
Here at HomeKey you will get help not only on how to sell your home
.You will also receive help on how to negotiate on your next purchase along with the budget planner so to make sure you have the required funds to complete your next purchase.
Here at HomeKey you will get help not only on how to sell your home.
You will also receive help on how to negotiate on your next purchase along with the budget planner so to make sure you have the required funds to complete your next purchase. Maybe its time to scale time up to that bigger property you have been dreaming about.
Here at HomeKey you will get help not only on how to sell your home
.You will also receive help on how to negotiate on your next purchase along with the budget planner so to make sure you have the required funds to complete your next purchase.
Self Employed
If you are self employed you may be wondering if it’s possible to get a mortgage.
Our expert advisors will take you through how the self employed is considered by the lenders along with which mortgage will suit you and your needs best.
Our expert advisors will take you through how the self employed is considered by the lenders along with which mortgage will suit you and your needs best.
Remortgages
There are a number of reasons that people look to remortgage.
Whatever you are trying to achieve, our expert advisers are here to help. This could be to:
- obtain a better rate
- consolidate debt
- home improvements
Deposit Unlock
What is Deposit Unlock?
With the new Deposit Unlock scheme, first time buyers and home movers can buy a new build home with just a 5% deposit.
You can only buy a home from a house builder participating in the Deposit Unlock scheme and using a mortgage offered by a participating lender.
While the Deposit Unlock scheme is still fairly new, it may prove popular with buyers as a way to purchase a new build home with a small deposit as lenders are often reluctant to offer high loan-to-value mortgages on new build homes.
It is also likely to fill the gap after the Help to Buy Equity Loan scheme, which let first time buyers purchase a new build home with a 5% deposit, closed to new applicants in October 2022.
Shared Ownership
… is the most common affordable purchase option.
Quite simply you purchase a share of the property, with the remaining proportion being retained by a Housing Association who then charge a monthly rent.
Share values vary but most commonly they are between 30% and 50%.
Quite simply you purchase a share of the property, with the remaining proportion being retained by a Housing Association who then charge a monthly rent.
Share values vary but most commonly they are between 30% and 50%.
Buy to Let
The Buy to Let market is assessed differently to those moving into their own home to live.
Its never been more popular to own an investment home; this could be for passive income or a pension plan.
Our expert advisors are here to help achieve your goals.
Its never been more popular to own an investment home; this could be for passive income or a pension plan.
Our expert advisors are here to help achieve your goals.
Adverse Credit
You may have poor credit and have fount it difficult to obtain mortgage finance?
Whether it’s due to a low credit score, previous late payments, defaults or a county court judgement – we may still have options available to help you achieve that dream home.
Whether it’s due to a low credit score, previous late payments, defaults or a county court judgement – we may still have options available to help you achieve that dream home.
