Heritage Estates
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Heritage Estates Firstly, we'll arrange a no-obligation consultation at your convenience, to discuss your requirements. We'll discuss your existing borrowing and obligations, and look at the appropriate mortgage products available for your new home from a wide range of lenders. Before applying for a mortgage product, we can do calculations to show you the monthly and lifetime costs of a mortgage to check its affordability.

When you're happy with a particular mortgage product, we can help you with the application and get an "agreement in principle" from the lender. We're available for you to contact should you have a question about your mortgage at a later date. We'll help to ensure you don't waste money unnecessarily by paying a higher monthly amount than you need to for your mortgage.

We'll help to save your time and effort by recommending only the most appropriate solutions for your circumstances. We can also advise which lenders you are more likely to be accepted by, so that you don't apply for mortgage products unnecessarily.

read more › We charge a fee of 300 which is payable prior to completion. This is for advice, research, recommendation and implementation and we see your mortgage through to completion. We believe that we offer value for money as with our expertise we can ensure that you do not pay more for your mortgage than you have to by securing the right interest rates and avoid paying hefty early redemption fees. We avoid wasting time and money with lenders and providers that appear attractive at first glance, but would ultimately not accept the clients due to their strict underwriting criteria.

read more › Moving home is something you'll only usually do a few times in your life. For many reasons, buying your first or next home can be a stressful experience, so it's good to know that Heritage Estates are available to help. We'll answer any questions that you might have, and help you with the process of getting the right residential mortgage for your home and circumstances. We offer a personal service that takes into account your individual requirements. Since everyone's financial situation is unique, we'll work with you to understand your goals, and make financial recommendations based on a comprehensive and careful analysis of your circumstances.

read more › Buying your first or next investment property can be daunting, the buy-to-let mortgage market can be complex with many different products to choose from. Therefore, it's good to know that Heritage Estates are available to help. We'll answer any questions that you might have and help you with the process of getting the right buy-to-let mortgage for your investment property. Lenders generally view buy-to-let mortgages as higher risk than standard residential mortgages because they know that landlords often rely on rental income to make the mortgage repayments.

read more › As a first time buyer as well as finding a suitable mortgage, you'll also need a strategy to improve your chances of being accepted by a lender. Fortunately, Heritage Estates are here to help with the process of mortgages for first time buyers. You'll also need to determine how much you can borrow before falling in love with a property. Traditionally this was based on a multiple of your salary, but lenders now take affordability into account based on both your income and outgoings. You'll need to decide on the best type of mortgage for your circumstances.

read more › You might be looking to consolidate your debts, raise money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan. At Heritage Estates we can help with remortgaging. Remortgaging can be beneficial to your financial health in various ways. Remortgaging essentially involves moving your current mortgage to a new arrangement, either with your existing lender or a new one. The remortgage process is very similar to process of buying a new home.

read more › Despite what you might have heard, self-employed people have access to the same range of lenders and mortgage products as those in regular employment. If you're self employed, what usually affects your ability to get a mortgage is being able to prove that your income is sufficient to make the regular loan repayments. Usually a lender will request to see at least two years' worth of company accounts, SA302s or tax returns. If you're already a homeowner and want to remortgage, either to move home or to switch to a better deal, your existing lender may not require as much evidence if you have a good history of making repayments on time.

read more › You're probably familiar with how to protect your property with buildings and home contents insurance. However, your greatest asset is YOURSELF! For most people, a mortgage will be the greatest financial commitment that they ever make. Your home or property investment will usually be reliant on income being generated to support payment of the mortgage. The primary aim of protection is to help you keep your home (or property) in the event of unforeseen circumstances. The second aim is to maintain you and your family's standard of living.

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