Homeowner Mortgages
Our residential team is committed to helping you secure the right mortgage for your first home, next property, or re-mortgage needs. With independent, whole-of-market advice, we ensure that you receive the most appropriate options tailored to your unique situation.
Benefits:
- No upfront fees
- No interview required for arrangement
- Flexible payment terms
- Independent access to the whole market
- Long-term fixed rates (up to 10 years)
- Same-day in-principle decisions
Get in touch with us today. 0141-424-0267
Fixed Rate Mortgage for Property Purchase
Securing a mortgage is one of the most important financial decisions you’ll make, which is why receiving professional advice tailored to your unique circumstances is essential.
Whether you’re a first-time buyer or upgrading to your next home, it’s vital to ask the right questions early in the process and gain a clear understanding of how much you can borrow based on your situation before committing to a purchase.
Things to Keep in Mind:
- How much can you borrow? This depends on your income and outgoings.
- How much deposit do you have? A larger deposit typically reduces the interest rate offered by lenders.
- What type of survey do you need? Decide the level of inspection required for your new home.
- Have you appointed a solicitor? Legal representation is essential for the home-buying process.
- How long do you plan to stay in your new home? This can influence the type of mortgage you choose.
- What insurance do you need? Understand mandatory insurances and consider additional protections for peace of mind.
These are just a few of the important questions to consider. At Charleston, our experienced team is here to guide you through every step, explore all your options, and support you in securing your next home.
Fixed Rate Re-Mortgage Options
Re-mortgaging your home can be a strategic decision for a variety of reasons. You might be seeking a better deal because your current promotional rate has ended, or perhaps you want to unlock additional funds from the equity you’ve built over time. Whatever your motivation, our expert team will guide you through your options and ensure that re-mortgaging is the most suitable solution for your circumstances.
With over 20 years of expertise and our master broker status, Charleston Financial stands as a market leader in fixed-rate residential property mortgages. We provide competitive options with loan-to-value (LTV) ratios of up to 85%. Currently, 3, 5, and 10-year fixed-rate mortgages are especially popular, offering stability and peace of mind for homeowners in an ever-changing market.