Mortgages – Impartial Mortgage Advice – Lifestyle Sales & Lettings Agent Ramsbottom

Impartial mortgage advice from trusted advisers.

We understand that buying a property is one of the most important decisions you’ll make in your life. That’s why we offer impartial advice from experienced professionals who can help with any situation – whether it be first time buyers looking for their dream home, people remortgaging and wanting competitive rates on an approved product or someone trying to purchase another residence outrightly without having done so before- our team has seen it all!

We're here to help you find the best mortgage for your needs. If we don't have an answer, our team of experts will do everything they can so that doesn’t happen again!

Capital Repayment mortgages

A repayment mortgage is a home loan where you repay a bit of the capital, which is the amount you borrowed, along with some interest each month. With a repayment mortgage, as long as you meet all your monthly payments you’re guaranteed to have repaid your entire loan by the end of the mortgage term, which is usually around 25 years.

Repayment mortgages are by far the most common type of mortgage in the current market – and if you’re buying a home to live in, rather than a buy-to-let property, you’ll nearly always take out a repayment mortgage.

Remortgaging
your property

Homeowners will typically remortgage in order to reduce the overall monthly mortgage payment amounts. Other reasons could include paying off a loan earlier, raising capital or consolidating other more expensive debts like student loans onto one affordable debt with lower interest rates than what they were previously offered by different lenders.

To do this homeowners would have their current lender provide them information about another property where there’s enough equity built up so that it can be used as collateral against any new borrowing needs while still leaving room left over every month just in case something happens unexpectedly

Buy-to-let
mortgages

With a buy-to-let mortgage, you can become your own boss and have the flexibility to work from home or on vacation as long as necessary. This type of loan is perfect for people who want more control over their life’s plans because they don’t need any investment expertise! You will find that there are many pros when getting this kind instead – being able to live anywhere in Europe while still owning something meaningful; not worrying about monthly rental fees since it’s all taken care of right away by buying the property outright, plus earning passive income through renting out rooms at night time too.

Commercial
mortgages

The commercial mortgage is a type of loan for businesses that want to borrow over £25,000. The secured first legal charge on your business premises will help you with the acquisition and refurbishment or development – these can be used in any combination as long as they meet certain requirements! This kind of finance may also come into play when buying motor vehicles like machinery and other equipment; it’s perfect whether we have something new up our sleeves at home…