If you're looking for comprehensive mortgage advice in order to move house or buy your first home. Considering a remortgage to lower your monthly mortgage payments, or looking to release some equity to consolidate other borrowing. Maybe you wish to build that extension you've wanted for years; or are looking to buy to let for investment purposes - or even wishing to let your current home out to facilitate your onward move.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. The Directors of Top Mortgage Solutions Limited are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied in all areas of our day to day business activities.
In adopting the TCF principle we recognise that fair treatment of our customers is about adding value to the service we offer.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. The Directors of Top Mortgage Solutions Limited are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied in all areas of our day to day business activities.
In adopting the TCF principle we recognise that fair treatment of our customers is about adding value to the service we offer.
Services
Top Mortgage Solutions is based in Southampton Hampshire and has been advising clients across England for in excess of 15 years; offering mortgage and protection service to those looking to purchase a new home, re-mortgage an existing property or looking to buy to let.
Furthermore Top Mortgage Solutions is able to arrange relevant mortgage protection products ranging from Life Insurance through to Buildings Insurance for landlords.
From the moment you are in contact with us, our advisors will lead you through the whole mortgage process and will be with you until completion and beyond.
Furthermore Top Mortgage Solutions is able to arrange relevant mortgage protection products ranging from Life Insurance through to Buildings Insurance for landlords.
From the moment you are in contact with us, our advisors will lead you through the whole mortgage process and will be with you until completion and beyond.
Moving home can be a particularly stressful time, not helped with the mortgage market appearing to be a mind field.
Each mortgage lender will have independent criteria influencing their lending decision.
Moreover, mortgage lenders will also differ in the amount they will lend, for example, some will take tax credits into consideration whilst others will not.
If you are self-employed many lenders require evidence of three years accounts, whilst some require only one.
Many lenders will not offer an interest only repayment strategy whilst others will when considering the overall situation.
Each mortgage lender will have independent criteria influencing their lending decision.
Moreover, mortgage lenders will also differ in the amount they will lend, for example, some will take tax credits into consideration whilst others will not.
If you are self-employed many lenders require evidence of three years accounts, whilst some require only one.
Many lenders will not offer an interest only repayment strategy whilst others will when considering the overall situation.
It's fair to say that to most people, their monthly mortgage payment is probably their largest monthly commitment.
Therefore, it makes sense to explore the potential to reduce this and find the best remortgage deal.
The same way you do when considering other costs such as switching utility providers, or deciding on the most economical place to buy your food.
However, with each mortgage lender offering different incentives, a remortgage can seem a bit like wading through mud!
Because that may cost you 000's in the long run!
Therefore, it makes sense to explore the potential to reduce this and find the best remortgage deal.
The same way you do when considering other costs such as switching utility providers, or deciding on the most economical place to buy your food.
However, with each mortgage lender offering different incentives, a remortgage can seem a bit like wading through mud!
Because that may cost you 000's in the long run!
Shared ownership mortgage schemes are a Government incentive backed up by developers and housing associations in order to provide high quality affordable housing for first time buyers and other key workers.
Basically by property buyers 'sharing' the ownership of the property.
On the initial purchase you will typically buy 25/50/75% of the total property value.
The remaining 75/50/25% of the property is owned jointly, usually with a housing association.
They charge you a 'rent' for the section you do not own.
Basically by property buyers 'sharing' the ownership of the property.
On the initial purchase you will typically buy 25/50/75% of the total property value.
The remaining 75/50/25% of the property is owned jointly, usually with a housing association.
They charge you a 'rent' for the section you do not own.
A buy to let mortgage is typically for investment properties which are being let out to non-family members.
For that reason they generally require a larger deposit, and have both higher interest rates and arrangement fees.
Importantly the amount you can borrow is usually based on the rental income you will be able to achieve in the prevailing market conditions at that time.
Buy to let generally should be seen as a long term investment.
And whilst some people see their property portfolios as potential for a future pension, others look to simply supplement their existing earnings.
For that reason they generally require a larger deposit, and have both higher interest rates and arrangement fees.
Importantly the amount you can borrow is usually based on the rental income you will be able to achieve in the prevailing market conditions at that time.
Buy to let generally should be seen as a long term investment.
And whilst some people see their property portfolios as potential for a future pension, others look to simply supplement their existing earnings.
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