MORTGAGE BROKER BEDFORDSHIRE
TRUST | INTEGRITY | HONESTY
Mortgage Brokers covering Bedfordshire and the surrounding areas
Why Choose Us?
Outstanding customer service
Over 200 5* reviews about our efficient and personalised service
More than 17 years experience
Finding the mortgage and protection that’s best for you
Relationships built to last
Honest advice always with your best interests in mind
A more personal service
Looking for a mortgage broker in Bedfordshire that truly cares about your needs and empowers you to make informed decisions? Look no further than Thameside Mortgages.
Our friendly team of experts is dedicated to working with you one-on-one, from your very first inquiry to the moment you close on your dream home. Unlike other brokers, we put our customers first, ensuring you never feel pressured or uncertain about your mortgage options. Our commitment to outstanding customer service is reflected in our glowing 5-star reviews, and we’d love the chance to show you what sets us apart. Reach out today for a no-obligation chat with one of our advisors that cover Bedfordshire and the surrounding areas, and discover the difference personal attention can make.
First-Time Buyer Mortgages
A first-time buyer in the UK is someone who is purchasing their first home and has never owned a property before.
We understand that purchasing your first property can be an exhilarating yet daunting experience, so if you are a first-time buyer seeking a mortgage broker with a 5-star rating, Thameside Mortgages can provide assistance. With access to over 90 lenders, we can identify the most suitable products to obtain the right mortgage deal for you.
Our knowledgeable mortgage brokers have helped hundreds of first-time buyers in Bedfordshire and the surrounding areas secure their first mortgages and home.
Our process begins with a brief conversation with one of our staff members, where we learn about your needs and guide you towards purchasing your first home in the area of your choice.
Then we will submit an initial application to get an Agreement in Principle (AIP) and once your offer has been accepted on a property, we can move forward with submitting a formal mortgage application to a mortgage lender.
Remortgages
Remortgaging refers to the process of switching your existing mortgage to a new lender or a new deal with your existing lender. It involves paying off your current mortgage with the proceeds of a new mortgage, which may offer more favourable terms and conditions, such as a lower interest rate, more flexible repayment options, or the ability to borrow more money.
Remortgaging is a way to reduce your monthly mortgage payments, release equity from your property, or consolidate other debts. It is typically done when your existing mortgage deal is about to expire, or when you want to take advantage of better deals in the market.
To ensure you have enough time to explore alternative lenders and negotiate better mortgage rates, it’s advisable to start considering a remortgage six months before your current agreement expires.
Thameside Mortgages, your mortgage broker in Bedfordshire and the surrounding areas, can guide you through the remortgaging process and help determine whether it’s a feasible option based on your current financial situation.
When it comes to remortgaging, you have two primary options: fixed-rate and variable-rate mortgages. Fixed-rate mortgages offer stability in your monthly expenses, making them a good choice if you prefer predictability.
If you’re looking for expert mortgage advice and want to secure the right mortgage deal, don’t hesitate to contact Thameside Mortgages today. Our team of knowledgeable brokers are ready to guide you through the process and find the perfect mortgage product for your unique financial situation – get in touch with us today!
Home Mover Mortgages
A home mover mortgage is a type of mortgage that is designed for individuals who already own a property and are looking to move to a new one.
If you are tied into a mortgage deal, it might make sense to ‘port’ your existing mortgage.
Porting means transferring your existing mortgage to a new property, allowing you to avoid early repayment charges, which can be expensive.
To port a mortgage, we can apply to your mortgage lender and ensure you meet their eligibility criteria for the new property. Any additional borrowing will be taken at a rate available at the time of application.
If approved, your lender will transfer your existing mortgage to your new property and you can continue making your mortgage payments as usual.
At Thameside Mortgages, we understand that moving house can be a stressful time, which is why our qualified and accredited mortgage brokers in Bedfordshire and the surrounding areas are here to simplify the process for you. We take care of everything, from applying for an Agreement in Principle (AIP) to liaising with estate agents and solicitors and sourcing the right home mover mortgage to suit your needs and current financial situation.
Buy to Let Mortgages
A buy-to-let (BTL) mortgage is a type of mortgage product specifically designed for people who want to purchase a property with the intention of renting it out to tenants.
Unlike a residential mortgage, where the lender is primarily interested in whether the borrower can afford to make their mortgage payments, a BTL mortgage lender will also consider the potential rental income the property could generate.
This is because the rental income can be used to cover the mortgage payments, and the lender wants to be confident that the borrower can generate sufficient income to cover the mortgage. BTL mortgages typically have different interest rates and lending criteria than traditional residential mortgages.
Most lenders require a deposit of at least 25% for a BTL mortgage. However, it’s worth noting that the exact deposit required may vary depending on the lender and the borrower’s individual circumstances. Some lenders may require a larger deposit, particularly for properties in high-risk areas or for borrowers with a less-than-ideal credit history.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.