Mortgages
Clients of all kinds benefit from our advice – First time buyers, Shared Ownership, Home movers, Remortgaging, Investors, debt consolidation cases, Offset and Interest only. We are here to help.
Mortgages we offer
Each type of mortgage serves different financial needs, offering diverse options for homeowners and investors alike.
First Time Buyer Mortgages
Buying your first home and applying for your first mortgage can be daunting, with a lot of pressure to make the right decision. Rest assured we will walk you through the process and guide you every step of the way.
Remortgages
If your current mortgage agreement is coming to the end of its initial term, remortgaging might be the right choice for you. By actively seeking a better deal, you have the potential to save substantial amounts over the entire duration of your mortgage. This could result in lower monthly payments or a considerable reduction in the remaining loan term.
Buy to Let Mortgages
If you are planning to invest in property by purchasing your first, or additional buy to let property, there are many things you need to consider before choosing a buy to let mortgage.
Home Movers
Moving to a new house can be both an exciting and stressful time. We can help by finding you the best home mover mortgage on the market, taking a vital task off your to-do list.
Contractors
Taking out a mortgage could be a stressful experience and for contractors there are even more processes and steps to think about. If you are a contractor looking to secure a mortgage, whether it’s for your first home or as you take a step up the property ladder, contact us today to get your finances in order and understand what your next steps should be.
Shared Ownership & Similar Schemes
We are well equipped to provide expert guidance on the Government’s schemes, assisting you in navigating these processes effectively.
Offset Mortgages
Offset mortgages enable borrowers to use savings to reduce the interest paid on their mortgage, potentially accelerating repayments. To find out if this type of mortgage is for you, please get in touch.
Debt Consolidation Mortgages
Consolidating debt into a mortgage can be beneficial for a number of reasons. It can reduce monthly outgoing and simplifying financial management. Our brokers will ensure this is the right decision as the debt will be secured against your home and can increase the overall cost of the debt. Making sure this is the right option is crucial.
Types of Mortgage Rates
Fixed Rate
Fixed rates are discounted rates and provide borrowers with the stability of a consistent interest rate, ensuring that monthly payments remain unchanged for a predetermined period. Ideal for budgeting and peace of mind.
Tracker Rate
Tracker rates are discounted variable rates. They fluctuate inline with the Bank of England base rate. They often have more flexibility with lower, if any, early repayment charges, meaning you can refinance with minimal cost. It’s important to be aware that the rates can increase as well as reduce.
Standard Variable Rate
This differs from lender to lender, in most cases these are higher than other products available. If you are currently on a standard variable rate, please do get in touch to see if there is a more cost-effective option available to you.
Repayment
Repayment mortgages involve paying both the principal amount and interest over the loan term, gradually reducing the balance and ultimately fully repaying the loan.
Interest Only
Interest only mortgages allow borrowers to pay only the interest for a set period, providing flexibility in managing cash flow.
Buying your first home
A broker can be highly beneficial to a first-time buyer for several reasons. Firstly, brokers have access to a wide range of mortgage products and lenders, allowing them to find options that suit the specific needs and financial situation of a first-time buyer. They can navigate the complexities of the mortgage market and simplify the process for someone new to home buying.
Additionally, brokers often have established relationships with lenders which can result in more favourable terms or even exclusive deals. Their expertise in understanding the intricacies of mortgage terms, interest rates and eligibility criteria can guide first-time buyers through the decision-making process ensuring they make informed choices.
Overall, a broker’s knowledge, access to options and ability to negotiate can significantly streamline and enhance the mortgage experience for a first-time buyer.
Moving Home
Home movers can benefit significantly from working with a broker during the mortgage process. Brokers possess a comprehensive understanding of the mortgage market, allowing them to efficiently explore a wide range of options suited to the unique needs of home movers. They can assess the equity in the current property, potential sale proceeds and guide movers through the transition to a new home. Brokers streamline the application process, managing paperwork and communications with lenders, which is particularly helpful during the often hectic period of moving.
Additionally, brokers can secure competitive rates and terms, leveraging their relationships with lenders. Their expertise facilitates a smoother transition, providing valuable support and expertise for those navigating the complexities of selling and buying a home simultaneously.
Purchasing a Buy to Let investment
For a buy-to-let investor, engaging a broker can offer distinct advantages. Brokers specialising in buy-to-let mortgages have in-depth knowledge of the market and can identify lenders who specifically cater to property investors. This expertise helps investors navigate the complexities of financing rental properties, taking into account factors like rental income potential and property appreciation. Brokers can efficiently compare a variety of mortgage products, securing terms that align with the investor’s financial goals. Additionally, they may have insights into local market trends, enabling investors to make informed decisions about potential rental yields and property value appreciation.
Overall, a buy-to-let broker can provide invaluable guidance, streamline the mortgage process and help investors optimize their financing strategy for long-term success in the real estate market.
Remortgaging your current property
Remortgaging involves replacing an existing mortgage with a new one, and engaging a broker in this process can be highly advantageous. Brokers specialising in remortgages have the expertise to evaluate your current mortgage terms and explore opportunities for better rates or more favourable conditions. They can identify lenders offering competitive deals, potentially resulting in lower monthly payments or reduced overall interest costs.
Moreover, brokers can guide you through the application process, handling the necessary paperwork and negotiations with lenders. Their knowledge of the market ensures that you make informed decisions when refinancing and aligning your mortgage with your current financial situation and goals. Overall, a remortgage broker simplifies the process, saving you time and potentially helping you secure improved terms on your home financing.
What does it cost?
Our mortgage broker fees are based on the type of transaction you require and the complexities of research and application process required. We will always provide you with a free initial consultation and we will always explain exactly what broker fees you’ll be charged before you choose to proceed with an application.
Our mortgage adviser fees apply to all mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Don't just take our word for it
Client Feedback
★★★★★
"Tristan has been absolutely superb! Talking about mortgages can be pretty daunting and stressful, but he was amazing throughout. He was always at the end of the phone or email, and he turned things around quickly to make sure everything went as smoothly as possible with the house purchase.
“We honestly can’t thank him enough for all his hard work. He really is brilliant at what he does.”
Kathryn & Tom Binfield - Winchester
★★★★★
"As first-time buyers, the world of mortgages can be quite intimidating. Tristan helped us every step of the way and made sure that we understood every part of the process before proceeding. We worked through a variety of mortgage options before settling at the final option which was perfect for what we needed.
I can’t recommend Tristan’s services enough; a true market expert who always has our best interests at heart.”
Joshua Jones – Eastleigh
★★★★★
"I have used Tristan on two occasions in the last 4 years (soon to be a third time when my re-mortgage is due this year!) He is professional, approachable and knowledgeable in his field. There is no one else I would go to for mortgage advice. Tristan has always taken my needs and wants into consideration when finding a mortgage product for me and has done this with ease and efficiency. Thank you again Tristan."
Rebecca East – Andover
Appointments Available at a time to suit you
In person
Online
Over the phone
Get in touch
London - 02078 466256
Hampshire – 01264 577154
E info@atmmortgages.com
Location
HQ: 2 Manor Farm Offices, Flexford Road, Southampton, SO52 9DF
Andover: 13 London Street, Andover, SP10 2NU
Chelsea: 33 Flood Street, Chelsea, London, SW3 5ST