What is a residential mortgage?
A residential mortgage is a large loan designed to help one or more individuals buy a property to live in. The property must be used as a residence by those taking out the mortgage, so you won’t be able to buy the property to rent out to tenants or use it for commercial purposes. The vast majority of us will need to borrow money to buy our first home and the most common way to do this is by getting a residential mortgage.
What is a Buy to Let mortgage and how does it work?
Residential mortgages are loans that you take out on a property that you want to live in. If you’re buying a property with the intention of renting it out, not living in it, you’ll need a Buy to Let mortgage.
Who can get a Buy to Let mortgage?
What is a Self-employed mortgage?
There isn’t a specific product called a self-employed mortgage. You will be applying for the same mortgage as anyone else. The difference is, you’ll have to provide more evidence you have a reliable income when you’re self-employed
Getting a mortgage when you are self-employed can be challenging but it certainly isn’t impossible.
What is bad debt consolidation remortgage?
At Robi Finance Ltd we understand that sometimes due to certain life events and difficult circumstances, you could get adverse credit markers on your credit report. This can make it difficult to obtain a mortgage from your average high-street Lender.
How is the mortgage process different for First Time Buyers?
It can be quite overwhelming as a first-time buyer – you haven’t been through the house purchasing process before, and mortgage lenders do use quite a lot of strange terminology and acronyms.
What is remortgaging and how does it work?
Remortgaging is where you’ve got an existing mortgage, maybe on a fixed rate scheme, that’s coming to an end – so you need to replace it. That might be looking for a new mortgage with a different lender, or a new mortgage with the same lender. Staying with the same provider is often called a product transfer.
If you are a foreign national looking to purchase a home in the UK, obtaining a mortgage can be an overwhelming and complex process. However, with some knowledge and guidance, it is possible for most people to successfully navigate the UK mortgage market.
Fill out our contact form below and one of our experienced mortgage advisors will get in touch with you to discuss your specific needs and help you find you the best mortgage.
Robi Finance Ltd
4 Pelham Court, Cambridge CB4 3TD, Tel no: 01223 560 472 – 07956827018, Email: [email protected]
The company is registered under Reg No:14639627 in England and Wales.
Robi Finance Ltd is registered with the Information Commissioner’s Office under registration reference: ZB477056 Copyright © 2021. All Rights Reserved.
Robi Finance Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the financial services register (https://register.fca.org.uk/s/) under reference 995310.
The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
Not all services we offer are covered by the Financial Conduct Authority.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The information, advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A fee will be payable for arranging your mortgage with Robi Finance Ltd. The amount of the fee will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed but we estimate it to be around 0.65% (min £499). The initial consultation is free.
Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive a commission from them after the completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commissions at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
How To Make a Complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to; Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.
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