Mortgages

First Time Buyers

Purchasing a home as a first time buyer can feel overwhelming. Even with all the resources and guides online it can still help to talk to someone. We aim to make things as understandable and straightforward to help you get your foot onto the housing ladder.

Moving Home

Whether downsizing or moving into your new home we can help. We have access to the whole mortgage market and specialist deals. Whether this new property is a new build or non standard construction we are here to help.

Remortgage

Wanting to remortgage is an essential part of your mortgage journey. Whether you want to release some cash, do home improvements, or simply find a better rate. In today's climate many customers are concerned about rising levels of debt, please don’t be. A debt consolidation remortgage may be a suitable solution we can help with.

Self Employed Mortgages

Whether a sole trader or a limited company director we have successfully obtained mortgage offers for many self employed individuals over the years. Yes applying for a mortgage when self employed is more complex however with our help and experience at your disposal it doesn't have to be!

Poor Credit

At Hartley associates we understand that each client's journey is individual. Their needs might require a specialised service. We delivered successful mortgage results to clients with financial difficulties in their past. If you would like to know more please send us a message on the Contact Us page.

Protection Consultation

At the end of each mortgage application process we will invite you to talk about protection/insurance options to protect against the worst happening and lessening the negative financial effects on you and your loved ones. We have access to a wide range of protection providers to source a solution for any need or budget.

Privately owned buy to let

Many existing landlords see their investment properties as a life line in retirement or something to pass down to future generations. Let us help you make informed decisions regarding the buy to let financing on these properties whether it be expanding your portfolio, capital raising or a carrying out a let to buy.

Limited company buy to lets

With the rising cost of being a landlord many are moving over into holding their rental properties through a limited company. This can offer tax relief on financial costs such as mortgage interest and arrangement fees and further flexibility for planning. Mortgage lenders do offer specialised limited company mortgage products which you may qualify for.

How much can you borrow

This differs from lender to lender and is entirely based on your circumstances. However this will mainly be influenced by your earnings and your commitments in the background (credit cards, car loans, childcare, medical bills etc).

Your existing deal

Annual Mortgage statements are set out each year at the start of the year by most lenders. If you do not have this to hand do not hesitate in contacting your mortgage lender to see if it can be accessed online or posted to you. This will give you all the relevant information on your current mortgage deal.

Check your credit

Many mortgage providers used multiple credit referencing agencies. If you have a lot of background borrowing or have a history of credit issues we would suggest obtaining an up to date credit report from either Experian, Equifax or clearscore. This will provide you with a clear snapshot of your credit profile.

What the mortgage lender will ask for

The mortgage lender will ask personal and address ID they will also require at least 3 monthly payslips if employed and at least 2 years Tax year overviews and calculations if self employed. This is a good starting point but they may also ask for personal and business bank statements, employment contracts and may even ask to write to your employer.