 Are you a First time Buyer?
With first time buyers accounting for 50% of all new mortgages, it
is understandable that there is intense competition between lenders. CJR
Associates can find the best for you, and can show you which lenders
allow fees, such as arrangement fees and indemnity guarantee premiums,
to be added to the loan, rather than paid up front.
Second Time Buyers
When buying your second or subsequent property, you normally have higher
personal surplus capital sum from the sale of your property. Therefore a
lower loan to property valuation is normally required. Many lenders offer
lower interest rates for this type of lending, which is regarded as less
risky.
You can find that often a considerable saving over the longer term can be made
by borrowing a lower amount against the value of the property. This can
save you a considerable amount of money over the
mortgage term, due to lower fees, and indemnity insurance.
Remortgages -
normally involve some element of raising capital, such as home improvements, payment of credit card
debts,
school fees, and divorce settlements.
Often you are changing lender, and at the same time taking out a larger
loan to cover the existing loan and raising a cash sum for
your own use.
Lenders conditions and interest rates vary as to what they will allow
people to remortgage for. It is important that you find the best lender
to suit your requirements.
For more information about remortgages click
here.
Mortgages for Special Situations
Professionals - special mortgage products are available for doctors,
dentists, accountants etc.
Self-Employed - you will want to know the lenders requirements on number
of years accounts required and whether audited be chartered accountant
or not.
Confirming your own income (Self-Certification) - there are many mortgages
which allow you to borrow a lower amount in relation to the value of
your home, which allow you to borrow without written confirmation of
your income.
County Court Judgements/ Mortgage Arrears
- with the rising incidence of county court
judgements or mortgage arrears problems, you will need to know which lenders take
a sympathetic viewpoint.
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The
Benefits to you
Within seconds, your details can start to be entered into our computerised
mortgage search engine and the whole of the marketplace searched on your
behalf.
Based on your personal circumstances, the computerised search
procedures will create a list of suitable mortgage options.
Your personal adviser can help you to select the most appropriate
mortgage option for you, based on your main priorities;
Maximum salary multiple.
Maximum that you wish to pay.
Maximum loan
amount, based on your property value.
Total fees payable.
Total cost over the period of the loan.
Or a combination of all of these.
Full details of all fees, and mortgage payments throughout the
whole mortgage term are provided, as required under the mortgage code.
Printed illustrations allow you to compare and consider our
recommendations.
CJR Associates even actively
encourage you to visit every building society and bank
in your local town, (if you have the time, that is)
We are so confident that you will use our services,
that we provide you with web site addresses of all the major lenders on
our links pages.
Using CJR Associates as your professional advisers will
save you the time and trouble of personally searching for the best
mortgage.
Will going direct to a mortgage
lender save me money?
None of the mortgage schemes arranged will cost you
more than going direct.
In many cases you may be able to save money by
arranging your mortgage with us as some lenders will be happy to pass on
the cost saving of not using their local branch office.
 CJR Associates have a
vast wealth of experience in finding suitable lenders who are happy to
consider providing loans in these circumstances, providing you have a
good reason.
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