There is no substitute for experience and we have been established for over 25 years, having already arranged over £1 Billion in mortgages for our clients from across the UK. Right now there are some of the lowest 5 year mortgage and remortgage deals we have ever seen. Through having an extensive panel of established mortgage lenders and our own dedicated UK based mortgage team we arrange some of the lowest rate mortgages from a wide selection of mortgages - in fact some of the loan to values and rates we can access are only available through a limited number of mortgage companies.
Taking out a mortgage is a decision that should not be rushed and that is why our mortgage team will give you a free personal quotation without any obligation whatsoever. That way you can see all the facts and figures first then decide in your own time whether to go ahead. Use our short on line enquiry form or call our mortgage team for free on 0800 298 3000 alternatively dial 0333 003 1505 (mobile friendly) and find out how low your payments could be. That is not all, our longevity has enabled us to build strong relations with specialist mortgage lenders who do not deal with the public directly. This means we may still able to arrange the best mortgage or remortgage from our lenders and help you even if your individual needs and requirements are a little more complex.
We understand that a mortgage or remortgage is a major financial commitment involving significant sums of money. Therefore making the commitment to obtain the lowest plan available for your specific goals can make a difference of tens of thousands of pounds over the following years.
How Do I Qualify For A Low Cost Mortgage PlanAll the different mortgage plans on our panel have different criteria they use to determine the rate of the mortgage you qualify for. Some of the main areas that help categorise where your mortgage will fit are listed below;
- Credit History - If you have a good record of paying back your existing debts then this may reduce the cost of your mortgage. That being said there are lenders who we have access to that specialise in helping people who have been unfortunate enough to have some missed credit payments. It is also worth noting that some of our very best plans ignore older defaults or arrears from a while ago, so you may not actually be seen as having any adverse credit at all.
- Loan To Value - If you have a large amount of equity in your property you will often receive a cheaper mortgage rate. Though the steps in the rates, even as you go up to 90% LTV Mortgage levels, do not increase dramatically and there are other factors which may help reduce the gap further
- Employment Details - If you are employed and receive a regular salary then this aids towards affordability and may improve the mortgage your are offered. Also if you are married or cohabiting then you may have more borrowing options available if you apply jointly. Fortunately due to our longevity in the mortgage market we have established access to plenty of lenders who also value self employed customers and have excellent rates available for them too, but some of these do not always deal directly with the public.
Do you Offer Any Purpose Remortgages?
Low Rate Remortgages - If you are looking for a cheap remortgage then first choice finance will help you through the remortgaging process from start to finish. People remortgage with us for a variety of reasons, sometimes it is just to look for a better rate to get their payments down, or it is to borrow some funds for some overdue home improvements, alternatively it can be to get on top of other credit commitments which are starting to pressurise you - by opting for a debt consolidation remortgage. As with our home mover or purchase mortgage customer journey all quotes will be provided for free and you will not be under any obligation to proceed.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.
First Choice Finance is a trading style of First Choice Funding Limited of The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire. SK6 8DX. Copyright protected.