First Time Buyers

At Insight Mortgage Solutions we understand that buying a house is one of the most important purchases you will make and taking the first steps to get on to the property ladder can be an exciting but also a daunting prospect.

In addition to finding the home of your dreams you will have many others questions which we will be able to answer for

  • How much can I afford to realistically borrow?
  • How much deposit do I need to save?
  • What additional costs will be involved?
  • What type of mortgage is best for me?

With so many deals to choose from and so many things to consider when searching for your first mortgage our expertise can save you both time and money.

We have access to an extensive range of mortgage products many of which are not available from high street lenders and will use our years of experience to tailor a product to meet your exact needs.

Our advisors will complete all of the paperwork for you and you will also be able to see the progress of your application anytime with our on-line tracking tool.

Having helped you buy your dream home by securing the best possible mortgage deal we will advise you on how to ensure that you are able to maintain future mortgage payments should your circumstances change.

We can also recommend conveyancing firms who will be able to provide the legal advice you will also need.

Moving Home

It is often said that moving house is one of life’s most stressful events so it makes sense to use a mortgage broker who will provide a thorough, professional service to make the process as straightforward as possible.

Our professional team of advisors will help you work out what you can afford to borrow and find the best mortgage for your needs from the huge range on offer. You can then focus all your efforts on finding your dream property.

Portrait of young couple in their new home

Estate agents have a duty to their vendors to ensure potential buyers are in the best financial position to proceed with the purchase as quickly as possible. Our advisors and dedicated team of administrators are on hand to work with the estate agent and vendor to confirm that you are in a position to secure a mortgage. We will ensure that where speed of transaction is important we will only approach lenders who we know are able to process your application, book a mortgage valuation and issue a mortgage offer as quickly as you need it.

Use our

online calculator
to get an idea of how much you could borrow.

Trust us to take the stress out of your house moving experience

Remortgages

At Insight Mortgage Solutions we believe it is important to regularly review our clients mortgage arrangements to ensure that they remain appropriate and the interest rate they are paying is competitive. It is likely that your biggest monthly outgoing is your mortgage and by finding a better deal you could save hundreds and possibly thousands of pounds.

With lenders under pressure to keep headline rates low many have increased the upfront fees they charge borrowers to move to new deals. It is vital that you get expert advice to ensure that the total cost of the loan does not outweigh the monthly saving.

We have 25 years experience of arranging mortgages and have access to an extensive range of remortgage products many of which are not available from high street lenders. As a result we are able offer a truly tailored and personable service built around you the client. We will ascertain your individual needs, preferences and circumstances before recommending a mortgage.

Our advisors will complete all of the paperwork for you and we will keep you informed of the progress of your application so you never have to worry about what stage it has reached. Through our investment in technology, you will also be able to track the progress 24/7 using our online tools.

Having helped you to reduce the cost of your borrowing by securing the best possible mortgage deal we will advise you on how to ensure that you are able to maintain future mortgage payments should your circumstances change.

We can also provide advice if you need to release equity from your property  or consolidate other debts.

You may have an early repayment charge with your current lender and should check before re-mortgaging. We would always advise you to think carefully before securing other debts against your home.

Buy to Let

As more and more young people are finding it a struggle to obtain a mortgage to purchase their first property they are having to turn to rented accommodation instead. As a result a growing number of landlords are investing in property that they can rent out using a Buy to Let mortgage to part fund the purchase.

Buy to let mortgages are similar to residential loans but are designed for landlords who buy property specifically to rent out.

There are some differences between residential mortgages and buy to let mortgages

  • Interest rates on buy to let mortgage rates tend to be a little more expensive than residential loans
  • You will be required to put down a bigger deposit ususally in the region of 25%.
  • You will need to supply evidence that the rental income generated will more than cover the monthly mortgage payments. Affordability is typically linked to rental income calculations, which vary by lender but is often based on 125% of rental income, and will use a ‘stressed’ interest rate to check that your rental income will cover monthly mortgage payments in different scenarios. Not all lenders use the same formula and some will lend more generously.
  • Most buy to let mortgages are arranged on an interest only basis meaning that you do not pay off any capital in the monthly repayments but would need to repay the capital in a lump sum at the end of the mortgage term.

At Insight Mortgage Solutions we have access to an extensive network of lenders so we are able to advise on a wide range of mortgages to suit each of our client’s individual needs. This coupled with our in depth market knowledge means we can offer the best mortgage deals for your circumstances and make sure you are in the best possible position to proceed successfully with an application.

Our advisors will complete all of the paperwork for you and you will also be able to see the progress of your application anytime with our on-line tracking tool.

Having helped you by securing the best possible mortgage deal we will advise you on how to ensure that you are able to maintain future mortgage payments should your circumstances change.

Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority. Your Property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Calculator

mortgage-calculator

Figure out how much your mortgage will cost monthly.

Use the below calculator to figure out how much your monthly mortgage payment will be or how much just the montly interest is. It is pre-set with an interest rate of 3.8% but that can be changed to reflect the mortgage of your choice. Then set the number of years and the loan amount and chose to figure total payment or interest only.
*Note: Do not enter any symbols, commas or letters. Enter simple numbers only (i.e., do not enter: £10,000.99 do enter: 10000.99).

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Chose whether to calculate the total monthly payment or just monthly interest:

Book a Consultation

Simply fill out the contact form below and we will contact you to book your consultation.