Common Mortgage questions.
Why use us?
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We are qualified to advise you on your equity release requirements.
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
How do I get a £1+ million mortgage?
We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting.
Is it possible to get a Self Employed Mortgage?
Yes. We understand the difficulties borrowers experience when trying to secure competitive deals for self-employed mortgages.
Can I have more than one Buy To Let mortgages?
Yes. We can help landlords who are looking to grow a portfolio of properties, remortgage a buy to let or purchase a new property.
What are the criteria for a Limited Company Mortgage?
A lender would require information on the income of the company, rather than an individual, making the process a little more complicated.
How can I help my children buy a property?
We understand how difficult it is for the younger generation to buy a property. We work with several lenders who have innovative ways of helping your children make their first property purchase.
The choice in the mortgage market can be confusing with so many products to choose from. Your adviser will take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available, such as
I NEED TO REMORTGAGE
Your adviser will do their utmost to find a mortgage package that meets your requirements (i.e. your time constraints, budget, attitude to risk, lifestyle etc.)
I AM LOOKING FOR A £1 MILLION + MORTGAGE
Over the years, we have built up extensive contacts in the private banking sector who can facilitate this level of lending.
I WANT TO HELP MY CHILDREN PURCHASE A PROPERTY
We can help you to help your children onto the property ladder and advise you on the most cost-effective and tax-efficient methods.
IS RELEASING EQUITY A GOOD IDEA?
Equity Release is a good idea if you are looking to unlock tax-free cash tied up in your home. This can be achieved without the need to make monthly repayments.
Frequently Asked Questions
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What is 3 + 5 =
Your Ruislip based Mortgage Adviser
Adverse Credit
What is it?
Adverse credit can be anything from a missed phone bill payment to bankruptcy. This wide span can leave a lot of people confused over whether they’ll qualify for the mortgage they want.
Having had extensive experience in adverse credit applications, I’m able to review a client’s credit file and determine the lending criteria most likely to result in a mortgage application being approved.
In the event we aren’t in a position to make an application due to credit status, I can set out a plan and timescale to help the client reach their goal as quickly and realistically as possible.
Self-Employed
Self-employed income comes in various forms, as a result, it can be difficult to determine the right lender.
Sole traders, freelancers, contractors and Limited Company owners often feel overwhelmed at where to start.
With a brief consultation, I’m able to decipher the best way to present a client’s income to a lender and to navigate the many criteria points required to ensure they are able to obtain the loan amount they need in the most cost-effective way.
Creatives
The creative industry is widely considered to be an industry of complex income and many clients can find it difficult to get the right assistance with their mortgage.
Professionals can work on a day rate, by project, or on fixed term contracts at varying lengths, all usually on a self-employed basis. This can make it hard to calculate how much you can borrow without a good understanding of how your income will be verified by a mortgage lender.
I help with this by presenting income in a clear, concise way with an explanation that helps the lender to also understand the sustainability of a client’s income and ensuring they get the mortgage offer they need for the home they want.
Your home may be repossessed if you do not keep up repayments on your mortgage
Leah Ryder
Mortgage and Protection Adviser
I am a Mortgage Adviser with almost 7 years of experience. I cover all ranges of mortgages from Residential and Buy To Let for individuals and Landlords.
I specialise in adverse credit, self-employed and complex income clients, particularly those within the Creative Industries such as Fashion, Photography, Music, TV, Film and Media.
"Trusted advice delivered in a friendly way that provides you, your family or your business with solutions to all your mortgage needs"
"While being based in Ruislip, we provide tailored and professional advice to help people all over North and West London and the surrounding counties"
