Mortgages

Getting the keys to a newly purchased home is one of the most exciting events in your life. Whether you are a first time buyer starting out with your first property, need more space for a growing family or are looking for an investment property to rent, it is likely you will need a mortgage to help you finance your purchase.

Alternatively, you may be looking to move your existing mortgage to raise capital in order to consolidate other loans*, purchase another property, or even just to achieve lower repayments. In recent years re-mortgaging has become commonplace with many borrowers as a cost effective and simple way of raising finance. Re-mortgaging can also provide a mortgage that is more suitable to your needs with greater flexibility.

Today there are dozens of different lenders offering thousands of mortgages. Finding a mortgage suitable for your needs can be difficult not just because of the size of the market, but also due to the complexities of lending criteria. We, at Atlantic Coast Associates have installed what we consider to be the best sourcing software available, to enable the entire market to be compared for the latest deals. This, combined with our expertise and experience, enables us to find you a suitable mortgage.

When considering any mortgage finance, it is important to understand the basic facts that lenders all use to make a decision as to whether an application should proceed. Mortgages are usually subject to income/expenditure and credit checks to confirm your ability to repay the loan. Additionally, the value of the property that you wish to purchase or re-mortgage is another important part of the lenders' underwriting process. Of course, these are just the basics. Our team consider many other issues before making their recommendations.
We offer independent advice on mortgages for Purchase & Re-Mortgage, Buy to Let, Let to Buy, as well as Right to Buy, Commercial and Residential.

Simply contact us to arrange for a free initial consultation or quotation on 01872 571868 for the Perranporth office or 01726 871150 for St. Austell. Alternatively complete our contact form and one of our Advisers will contact you shortly.

*Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

A first charge over your property is required as security for the mortgage.
The formal mortgage offer of advance will be subject to valuation and other satisfactory references.
Your home may be repossessed if you do not keep up the repayments on a mortgage or other loan secured on it.