Mortgage Broker & Advisors in Bexley
We’re all about relationships
Welcome to The Mortgage Consultancy, your trusted mortgage advisor in Bexley. With over 40 years of experience, we offer expert guidance and personalised service to first-time buyers, homeowners, property investors, and businesses in Bexley.
As your dedicated mortgage advisor in Bexley, our team ensures a smooth, reliable, and successful mortgage journey, providing friendly support every step of the way. Whether you’re purchasing your first home, remortgaging, or investing in property, we are here to help you make the right decisions.
Expert Mortgage Advice For Bexley Homeowners
Finding the right mortgage in Bexley can feel overwhelming with so many lenders and products available.
As your trusted mortgage advisor in Bexley, The Mortgage Consultancy is here to simplify the process for you – no stress involved.
Our team of experienced mortgage advisors in Bexley works closely with you to understand your unique financial goals and guide you through every step to find the most suitable mortgage solution for your dream home.
Whether you’re a first-time buyer or looking to remortgage and invest in a buy-to-let property, we offer expert advice on a wide range of residential mortgage products tailored to your needs.
If you’ve been turned away by your bank or told “no” by another advisor, we encourage you to book a call with our team.
As your dedicated mortgage advisor in Bexley, we are here to help make your homeownership dreams a reality.
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A simple guide to Buy-to-Let Property Investment
Mortgage Advisor For Bexley’s First Time Buyers
As a first-time buyer, navigating the mortgage market can be overwhelming, but with the right guidance, the process becomes much easier. Working with a mortgage advisor in Bexley ensures that you have expert advice every step of the way.
At The Mortgage Consultancy, our team specialises in helping first-time buyers secure the right mortgage, tailored to their individual needs. We take the time to understand your financial situation and guide you through the options available.
As a mortgage advisor in Bexley, we’re also here to help you understand the various schemes and grants available for first-time buyers. These options can make it easier for you to get onto the property ladder.
With our local expertise, we offer a personalised service, ensuring that you get the ensuring that you get the most suitable deal with competitive rates and terms.
Whether you’re looking for a fixed-rate mortgage or a more flexible option, our mortgage advisors in Bexley are here to provide expert advice and support. Let us help you make your dream of homeownership a reality.
Remortgages For Bexley Homeowners
If you’re considering remortgaging, working with a mortgage advisor in Bexley can help you make informed decisions and find the right deal for your situation.
Whether you’re looking to lower your monthly payments, secure a better interest rate or release equity from your home, a mortgage advisor in Bexley can guide you through the process with ease.
At The Mortgage Consultancy, we offer expert advice and tailored solutions to help homeowners navigate the remortgage market.
Our experienced team takes the time to understand your financial goals and situation, ensuring that we recommend the most suitable remortgage products available.
Whether you’re looking for a fixed-rate mortgage, variable rate, or flexible terms, we can help you find a deal that aligns with your needs. We also provide guidance on when it might be the right time to remortgage, helping you potentially save money in the long term.
If you’ve been with the same lender for years or if you’ve been told that remortgaging isn’t possible, our mortgage advisors in Bexley are here to help. We have the expertise and knowledge to unlock the best opportunities for remortgaging, ensuring you get the most suitable deal to meet your financial goals.
Buy To Let Mortgage Advisor For Bexley Landlords
If you’re looking to invest in property and generate rental income, a buy-to-let mortgage could be the right solution.
A buy-to-let mortgage is specifically designed for purchasing properties to rent out, not for personal residence.
Whether you’re a first-time investor or looking to expand your property portfolio, our expert mortgage brokers in Bexley are here to help you navigate the process with confidence.
Buy-to-let mortgages differ from residential ones, as lenders consider factors like rental income potential, your financial profile, and property type.
You’ll typically need a substantial deposit, good credit, and proof of income. As an experienced mortgage broker in Bexley, we understand these requirements and can help you find the most suitable mortgage deals, tailored to your needs.
At The Mortgage Consultancy, we specialise in helping clients secure buy-to-let mortgages and expand their property portfolios.
Whether you’re just starting out or have several properties, our mortgage brokers in Bexley provide expert advice and support to ensure you make the right investment choices.
Let us guide you to the most suitable buy-to-let mortgage, helping you achieve your investment goals.
How we can help
Residential Mortgages
From first-time buyers to home movers and remortgages, we’re here to help.
Buy To Let
With a significant amount of experience, we work with property investors and developers to provide solutions.
Insurance & Protection
From buildings and contents insurance to income protection, don’t leave it to chance.
Later Life Lending
Need advice & guidance?
Buy-to-Let Guide
Here, we break down the complexities of buy-to-let financing, identifying how it differs from traditional mortgages and the risks involved.
Insurance Guide
Here, we’ll highlight the importance of mortgage insurance and discuss the different types of protection available to safeguard your property.
Self Employed Guide
Our professional guidance removes the guesswork, offering you a clear and confident path to achieving homeownership.
First-Time Buyer Guide
With our experienced guidance, you can leave behind any doubts and follow a clear, confident path toward owning your home.
Mortgage Readiness Guide
In this detailed guide, we'll guide you through each stage, helping you be fully prepared to find the mortgage that's right for you.
Credit Score Guide
We've created this guide to offer you the insights you need, empowering you to make informed decisions during your mortgage application process.
10 Mortgage Myths Debunked
This comprehensive guide tackles 10 common mortgage myths, helping you separate fact from fiction.
A simple guide to
Later Life Lending
This guide offers an in-depth examination of two common Later Life Lending products: Lifetime Mortgages and Retirement Interest-Only (RIO) Mortgages.
Your Title Goes Here
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.
What our customers say
Providing advice and guidance: FAQs
I have a question about…
What is a mortgage?
A mortgage is a loan secured against a property. Typically, a mortgage is used to purchase the property against which it is secured, but it can also be used to release equity for purposes such as home improvements.
As a trusted mortgage advisor in Bexley, we can help you explore your mortgage options and guide you through the process to ensure you make the right choice for your needs.
Will I be accepted for a mortgage?
Mortgage approval depends on several factors, such as credit score, income, and debt. Lenders assess your financial profile to determine whether to approve your application and which mortgage product would be appropriate.
As a knowledgeable mortgage advisor in Bexley, we can help you navigate this process and identify the most suitable options based on your unique circumstances.
How does the mortgage application process work?
The mortgage application involves several key steps: an initial discussion with a broker, obtaining a decision in principle, submitting documentation and the full application, property valuation, and finally, completion.
As an experienced mortgage advisor in Bexley, we are here to guide you through each stage, ensuring a smooth and informed journey toward securing your mortgage.
How much can I afford to borrow?
The amount you can borrow depends on several factors, including the value of the property you’re buying, the size of your deposit, and your financial profile, which includes income, credit commitments, and credit score.
As a trusted mortgage advisor in Bexley, we can help you assess these factors and determine the mortgage options that align with your financial situation.
How much deposit will I need?
The larger your deposit, the smaller the mortgage loan you will need. For first-time buyers, it’s possible to purchase with a 5% deposit, although 10%-25% is more typical. If you have a larger deposit, you may also be able to access better rates.
As a knowledgeable mortgage advisor in Bexley, we can help you understand how your deposit size impacts your mortgage options and guide you to the most suitable deal for your circumstances.
What is a buy-to-let mortgage?
A buy-to-let mortgage is designed specifically for purchasing properties to rent out. Unlike a residential mortgage, it takes into account potential rental income and property investment.
As an experienced mortgage advisor in Bexley, we can help you understand the key differences and guide you through securing a buy-to-let mortgage that suits your investment goals.
How much can I borrow?
The amount you can borrow depends on factors such as rental income, property value, and your financial status. Lenders typically calculate loan eligibility based on these elements to ensure that repayments remain manageable and sustainable.
As a trusted mortgage advisor in Bexley, we can help you understand how these factors impact your borrowing capacity and guide you in securing the right buy-to-let mortgage for your investment goals.
Are interest rates higher for buy-to-let?
Yes, interest rates are generally higher for buy-to-let loans because lenders perceive rental properties as higher risk. However, you may be able to secure a better rate with a substantial deposit and strong financial credentials.
As a reliable mortgage advisor in Bexley, we can help you navigate these factors and find a buy-to-let mortgage with competitive terms that align with your investment strategy.
Can I live in a property myself?
Generally, no. Buy-to-let mortgages are designed for investment properties. Living in a property financed by a buy-to-let mortgage could breach the terms of the loan.
What are the tax implications of buy-to-let mortgages?
Tax rules can vary, but rental income is typically taxable. Changes to mortgage interest relief mean it’s important to understand the tax implications of a buy-to-let investment.
As a knowledgeable mortgage advisor in Bexley, we can help you navigate these complexities and advise you on how to manage your mortgage and tax considerations, ensuring you make informed decisions. You may also want to seek advice from a financial professional to fully understand your options.
What is bridging finance?
Bridging finance is a short-term loan used to bridge gaps between transactions, commonly in property purchases. It provides quick access to funds while awaiting long-term financing.
How fast can finance be arranged?
Bridging loans can be secured quickly, often within a few days. The process is expedited, making it an ideal solution for time-sensitive property transactions or urgent financial needs.
As a trusted mortgage advisor in Bexley, we can help you navigate the bridging loan process, ensuring you get the funds you need when you need them most.
What are interest rates like?
Interest rates for bridging loans can vary but are typically higher than traditional loans due to their short-term nature and quick availability. Rates are influenced by the lender and your financial profile.
As a reliable mortgage advisor in Bexley, we can help you understand the rate options available and guide you in securing a bridging loan that meets your needs.
Can bridging be used for any purpose I choose?
While bridging finance is commonly used in property transactions, it can also be versatile. It can be applied for various purposes, such as business needs or property renovations, depending on the lender’s policies.
As an experienced mortgage advisor in Bexley, we can help you explore how bridging finance can be tailored to your specific needs and guide you through the process to ensure you secure the right solution.
What happens if I can't repay the loan on time?
If you’re unable to repay a bridging loan on time, options may include refinancing, extending the loan, or selling the property. It’s crucial to maintain open communication with the lender to explore the best solutions.
As a trusted mortgage advisor in Bexley, we can assist you in understanding your options and help you navigate any challenges to ensure a smooth resolution.
What does buildings and contents insurance cover?
Home insurance covers property damage (buildings) and personal belongings (contents). It safeguards against risks like fire, theft, and natural disasters, ensuring financial protection for homeowners.
Why should I consider income protection?
Income protection ensures financial security if you’re unable to work due to illness or injury. It provides a regular income, easing financial strain during recovery periods.
How are home insurance premiums calculated?
Premiums are calculated based on factors like property value, contents worth, location, and personal details. Customized quotes consider specific risks and coverage requirements for comprehensive protection.
Can income protection cover self-employed individuals?
Yes, income protection is crucial for self-employed individuals. It provides a safety net, covering lost earnings during periods of incapacity, offering financial stability for those without employee benefits.
Are there exclusions in home insurance policies?
Yes, exclusions may include deliberate damage, wear and tear, and certain high-risk activities. It’s vital to review policy terms carefully and choose coverage aligned with your specific needs.
Get in touch
Drop us a message and one of the team will be in touch.