Mortgages are loans that are taken out by individuals who wish to purchase a property and require additional funds to meet the sellers asking price.
Securing a mortgage will depend upon numerous factors such as property surveys, credit reports, cash deposits and annual income.
A mortgage is applied for when an individual would like to buy a property but does not have the full asking price available to pay for the purchase outright. Securing a mortgage will be dependent upon numerous factors such as property surveys, credit reports, cash deposits and annual income, to name but a few.
There are different types of mortgages:
Mortgages are accepted under different terms such as fixed, tracker or variable rates depending upon individual circumstances. A financial adviser can help you to determine the best options for you given current market trends and review your cover regularly to ensure that you are getting the best rates available.
How will my Special Risk affect this?
Being self employed, being a first time buyer or having a poor credit history presents the biggest problems in obtaining mortgages.
The Special Risks Bureau do not provide advice in regards to mortgages but we can place you in contact with specialist mortgage advisers to meet your needs. Depending on the adviser you are referred to there may be a fee for mortgage advice which will be discussed at the initial meeting.
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