MORTGAGES
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FINANCE

Specialist Mortgage Brokers Eastbourne

Welcome to Transparent Mortgage Services

We are Eastbourne based specialist mortgage brokers, regulated by the Financial Conduct Authority. We can find you the best mortgage deals and rates from specialist mortgage lenders and because we are autonomous, we can search the whole of the UK mortgage market to find you the leading deals and best rates, whilst providing you with first-rate mortgage advice. So whether you need a mortgage in Eastbourne or anywhere in the UK, we are here to help.

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Specialist Mortgage Brokers - Eastbourne

If your financial situation is not what is considered 'normal', banks and building societies are not always the best places to find a mortgage. These organisations have quite set parameters and often have computers that approve or reject the mortgages. This means that if your circumstance doesn't follow set requirements, they may automatically reject you. Don't panic! Specialist mortgage providers can offer lending for situations that high street lenders won't provide for. Specialist mortgages are available for more complex conditions. As specialist mortgage brokers, we can look at unique cases and find a mortgage lender who will provide you with a more tailored answer.

Why You Might Need a Specialist Mortgage?

Specialist mortgages are suitable when your circumstances are outside of the ordinary and not a simple case of being a first time buyer or moving up the property ladder.

There are various reasons why you could require a specialist mortgage, including:
  • If you are freelancer, self-employed or run your own business
  • If you want to buy to let as a professional landlord
  • If you want to buy to let as a limited company
  • If you have a low credit rating
  • If you wish to release equity from your property
  • If you have several different types of income

If you are in any of these situations, it can be difficult to get a mortgage from a traditional bank or building society and this is where a specialist mortgage lender becomes a better solution.

Our Mortgage Services

Residential Mortgages

First-Time Buyer

Buying your first property is a a huge obligation and can feel like an intimidating prospect. We will guide you as you step on to the property ladder and we will help you find out what you can afford, the cost implications that will have for you and what kind of deposit you might need.

Home Mover Mortgage

People move home for many reasons from needing more space, to wanting to be in a better location to shift their financial situation. Whatever the reason might be, we can help you to find the best mortgage for you.

Remortgaging

This is simply the case of moving from one mortgage provider to another. You might do this for a better deal, to make overpayments or to borrow more money against your property.

Help to Buy

'Help to Buy' is a government scheme which allows buyers to buy a property with only a 5% deposit. This can make it significantly easier for first time buyers or those struggling to move up the ladder, to buy a property.

Right to Buy

If you own a council house or housing association property, the 'Right to Buy' scheme can allow you to buy it at a reduced cost. Generally 'Right to Buy' applicants have access to the same deals as those looking for a standard mortgage.

Shared Ownership

Shared Ownership schemes allow you to part buy and part rent a property, which means that you only need a mortgage on the part of the property that you buy. It is possible to buy the rest of the property at a later date.

Interest Only

Mortgages that are interest only give you the opportunity to get a mortgage but you only pay off the interest on the mortgage. This means that the payments are smaller than if you were paying off the mortgage itself.

Family Assisted Guarantor

Guarantor mortgages enable you to get a mortgage with a family member who will be liable for the mortgage if you can't make the payments.

Lifetime

Lifetime mortgages are a type of equity release mortgage which offer the option to take a loan out which is secured against the property. To access a lifetime mortgage, you need to be at least 55 and these mortgages can be dependent on health and property value.

Bad Credit

Bad credit mortgages are available for those who have struggled with their credit. They can have higher interest rates and fees and may only be available through specialist mortgage lenders.

Secured Loans

These are ways of borrowing money using an asset (in this case your home) to secure the mortgage against. It is a different option to remortgaging to use your property to acquire money and can be a cheaper option than a standard loan. This is because it is less precarious for the lender as they can use your property as collateral.

Tier 2 Visa

If you are living in the UK as a skilled worker on a Tier 2 visa, you can get a specialist mortgage which will allow you to purchase a property in the United Kingdom. You may have to have lived in the UK for over 2 years to qualify for one of these mortgages.

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Buy to Let Mortgages

Buy to Let

Those interested in investing in a property to lease out to tenants can apply for a buy to let mortgage. It is worth noting that both fees and interest rates can be higher on buy to let mortgages.

Buy to Let Portfolio

A portfolio buy to let mortgage lets landlords buy multiple properties under just one mortgage, which can simplify finances and payments.

Let to Buy

A let to buy mortgage is the perfect solution when you're not ready to sell the property you live in but you want to purchase another property. This way, you can rent out your home and use the funds from it to purchase a new home.

Houses in Multiple Occupation (HMO)

A HMO property is one that is leased out to multiple tenants who might share facilities like a kitchen or bathroom. These properties don't qualify for a standard buy to let mortgage, so need a specialist HMO mortgage.

Holiday Let

Mortgages for holiday lets are specifically used for properties which are only used for visitors for short term stays.

Limited Company

Setting up a limited company can allow landlords to receive more tax relief on buy to let properties, as they no longer receive as much tax relief as they previously did on their properties.

Multi-Unit Buy to Let

MUFB (multi-unit freehold blocks) mortgages are suitable for dwellings which are created when a single dwelling like a house has been transformed into individual flats. These properties are normally made up of two or more independent residential units.

Buy to Let for UK Ex Pats

Buy to let mortgages for UK expats enable them to purchase a property in the UK to use for income or a place to live in the UK if they decide to return.

High Net Worth Mortgages

High net worth is outlined by the FCA (Financial Conduct Authority) as those who have an income of over £300,000 a year or assets that are higher than £3 million. Often high net worth individuals may have more complex finances and require a specialist mortgage that caters for their individual needs.

How We Can Help

Here at Transparent Mortgage Services, we can give you mortgage advice on the right specialist mortgage for you. We are able to look at the entire UK mortgage lender market to find the perfect deal for your unique situation. We don't have any affiliation with lenders, so can objectively look at finding a mortgage that is the best deal with the best interest rate. You will have a mortgage advisor assigned to you, who can look at every provider and who will keep the mortgage application process as simple as possible. We are based in Eastbourne, East Sussex and provide mortgage services to the whole of the UK. Transparent Mortgage Services are authorised and regulated by the Financial Conduct Authority (FCA).

If you are not sure if you need a Specialist Mortgage, email: info@tms-fs.co.uk or call us: 01424 444597 now.