With so many different types of mortgage, and mortgage providers, to choose from, finding the best for your needs can be a tricky business. Whether you’re a first-time buyer trying to get a foot on the ladder, a non-domicile looking to invest in London’s booming property market, or a prospective buy-to-let landlord, Culford de Beauvoir is on hand to offer unparalleled advice. We will help find the best solutions for the following situations:
First time buyers.
If you’ve never owned a property in the UK the banks will classify you as a first time buyer. We can help first time buyers secure the best mortgage deals around, including providing specialist advice with the following services:
Right to buy. If you live in the UK and have a secure tenancy with a council or some housing associations, then you may be able to buy the house you live in.
Shared ownership. A government-funded scheme that lets you buy a share of a property that you can afford, and pay a housing association affordable rent on the rest.
If you have owned your property for at least six months, we can help you move to another mortgage provider, or explore the possibility of borrowing more against your home.
Buy-to-let/ investment properties (product not regulated by the FCA)
Whether you’re an individual or trading limited company, we can advise you on the best way to purchase or refinance a buy-to-let (BTL) or investment property.
Commercial finance (product not regulated by the FCA)
Buying your own premises could save you thousands of pounds a year and provide stability for your business. We can help with buying, refinancing or raising capital against any property type used (or to be used) by your business.
Secured loans / second mortgage (product not regulated by the FCA)
It’s not always easy to get credit. If you are a homeowner, however we can advise you on the best way to take out a secured loan/second mortgage.
Bridging finance / auction (product not regulated by the FCA)
We’ve got a range of schemes to help you raise quick finance against a property, should you need it for an auction purchase, or simply to take advantage of a once-in-a-lifetime opportunity.
Flexibility is a priority for many clients. We can advise on the latest flexible mortgage deals, from tracker mortgages to a built-in payment break option.
Development finance (product not regulated by the FCA)
Whether you’re an experienced developer or a first-timer, we can help you obtain finance for almost any property development, refurbishment and conversion scheme.
Culford de Beauvoir specialises in meeting the needs of clients in a range of situations. With our combination of experience, expertise and extensive contacts in financial services, we can secure mortgages for clients with zero deposit or where the deposit has been gifted by a family member, clients with bad credit, clients who are not domiciled in the UK, or clients where the mortgage repayment term will stretch past retirement.
Your property may be repossessed if you do not keep up repayments on your mortgage