Whether you're a first-time buyer or expanding your property portfolio with a buy-to-let mortgage, we're here to help.
We understand that stepping onto the property ladder or expanding your investment portfolio are significant milestones. Whether you're a first-time buyer searching for your ideal home or an investor seeking the perfect buy-to-let mortgage, we offer a range of tailored mortgage solutions to meet your needs.
Our expert team is here to guide you through every step, ensuring you find the right mortgage to achieve your property goals with confidence.
First Time Buyers
Buying your first property is an exciting prospect, yet it can be overwhelming knowing where to start.
At Town Mortgages, we take pride in helping first-time buyers to get on the property ladder.
We will guide you through the house buying process and explain property finance to you without using jargon and will be with you from initial enquiry until the day you own your first home!
Purchasing a property is one of the biggest steps you can make in your life and for most of us buying a property will be the most expensive purchase of our lives. As this is your first-ever property purchase it is important to us that you understand every aspect of the property buying process before you make your decision to proceed.
There is a lot to consider when buying a property including; the mortgage terminology, how much you can borrow, what it will cost to repay, the setup fees including stamp duty and survey fees, the types of survey and getting the right mortgage protection insurance.
Contact Us today to make an appointment to discuss the process and your options.
Buy to Let
A buy to let mortgage is a mortgage on a property where the intention is to let the property out rather than live in it yourself.
This can be set up on a new purchase, a property you already own, or one that has been inherited.
There are many different options available with different rules and tax implications to consider, so taking the right advice is important. Buy-to-let mortgages work differently than your standard residential mortgage. It is a type of mortgage sold specifically to someone looking to rent out a property, rather than live in it.
By getting buy-to-let mortgage comparisons from an incredible range of lenders across the country, including specialist lenders, we may be able to find deals you won’t find anywhere else on the market.
Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
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