At Barrett Mortgages we can help you find the best deals for your first mortgage, if you want to remortgage or if you are self-employed and need to find a mortgage. If you are buying your first mortgage we can sweep the market and find you exclusive first-time buyer mortgages that offer better products than high street lenders, we also offer specialist advice and when you come with us we can make sure that you have the same advisor throughout the whole process, our advisors deal with all the paperwork from start to finish and will be able to guide you the whole way through!
When you want to remortgage your home we can look at a great range of re-mortgaging products that offer some of the lowest rates in history. Some lenders will also offer a fee-free remortgage which means that the lender will pay for the fees to pay off your other remortgage early. But the golden rule is to understand the pros and cons of remortgaging as sometimes it can be more beneficial to not remortgage. To work out if it is worth it or not our advisors can add up all the savings on offer and the costs it will take to remortgage and then see which is higher.
We have a lot of people who are self-employed and think that they can’t get a mortgage. The truth is if you are self-employed the lenders have a unique way of determining how much they can lend you. Lenders will vary in the amount of time it is expected an applicant will have to provide evidence of income for. Most will look at the income from the last 2 or 3 tax years and either average it out or take the most recent year as a basis for calculation.
If you are interested in our services please get in contact with us!