Garstang Mortgages.

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Not sure which mortgage is best for you? Unsure how a mortgage works? Or looking to buy your first holiday home?

Here at Garstang Mortgages I assist clients at any stage. Whether you are starting on the property ladder, upsizing, downsizing, becoming a property developer, or seeking financial protection.

My clients are located nationwide, allowing me to provide remote assistance regardless of your geographical location.

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  • Mortgages

    I offer tailored services for first-time buyers, assisting them in securing their first property. I also provide expert guidance for seasoned home-movers seeking their next home and help self-build homeowners find suitable mortgage options to finance their completed projects, ensuring personalised and comprehensive support throughout.

  • Specialist Mortgages

    I offer specialised services including Buy to Let mortgages for landlords, Ex-Pat mortgages for clients living abroad, and Holiday Let mortgages for purchasing holiday rental properties. These tailored solutions ensure my clients receive expert advice and suitable mortgage options for their unique investment and lifestyle needs.

  • Loans

    I offer support with bridging loans for short-term financial needs, helping clients manage cash flow or property transactions. I also offer secured loans, allowing homeowners to borrow against their property equity for significant expenses. These services ensure flexible and efficient financial solutions tailored to individual circumstances.

  • Insurance and Protection

    Insurance is crucial when buying a home. I offer comprehensive insurance and protection services, covering property damages and unforeseen circumstances. This provides financial security, peace of mind, and safeguards your investment, ensuring you're protected against potential risks and able to enjoy your home worry-free.

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Mortgages can be confusing.

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FAQs

  • To put it simply, a mortgage is a loan that you will take out in order to pay for the ownership of property. You borrow the entirety of the money needed to purchase the property, minus the deposit, and then pay it back over a period of time. Once you pay off the entirety of the mortgage, you own the home completely.

  • There are many different types of mortgages, including first time buyer mortgages to specialist mortgages for property investment purposes. There are also those who aim to remortgage. In this case, you may have already paid off the entirety or a large portion of the mortgage and be in ownership of a lot of the equity of the property. A remortgage involves taking another loan out, effectively trading the equity you have gained for cash relative to the overall value of the property.

  • When you need a mortgage, the first step often involves arranging an appointment with mortgage providers, such as banks and other mortgage lenders like building societies. The mortgage application process can often be long and tricky and only provide their own products and viewpoint. This is where using a trusted mortgage broker can help you, because they know the market, products available and can save you time, effort and money. In most cases, you must also prepare a deposit. A deposit is a sum of money, which can vary from lender to lender and availability but can start from as little as 5% of the overall home's value but is more likely in most circumstances to be 10% or more.

  • A mortgage broker is someone with specialist knowledge in the mortgage market. Whether you're a first-time buyer or looking for something more complex, their primary service is to help find you the mortgage that offers the best mortgage for your circumstances and requirements. They will look at what the different mortgage lenders are likely able to offer you, based on circumstances and requirements such as your ability to repay, the size of your deposit and your credit rating. Sometimes, they may be able to offer exclusive mortgage offers that customers cannot get from lenders directly. They can also offer advice on other services such as Insurance and Protection.

  • In most cases the answer is yes but it does depend on a number of factors such as what the adverse was, when it was, how much was it for and how much deposit do you have.