Mortgages
First Time Buyers
Buying your first home can be daunting and will help you choose the right mortgage lender to ensure that you successfully climb up the property ladder. We are the specialists, and we will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Home Movers
Buying and selling a property can be a very stressful time, so let us make the process of purchasing your new home that bit easier by finding a new mortgage rate that is right for you.
Remortgages
If your current mortgage deal is about to end, then you are not obliged to stay with your current lender – it is worth looking at different options as they may not be offering you the most competitive deal. Whatever your circumstances, let CH Mortgages talk through the various options which could be available to you.
Debt Consolidation
Consolidating your debts is an effective way to lowering the amount of payments you need to make on a monthly basis by remortgaging your house. The mortgage that you get on your home can then be used to pay off debts and often, you might find a lower interest rate on mortgages in comparison to credit card debts and other personal loans.
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Think carefully before securing other debts against your home.
Self-Employed/Contractor
Getting mortgages if you are self-employed/contractor can be trickier as lenders can have different criteria for their lending decisions. Often working for yourself means fluctuating pay with no 100% certainty you will earn the same as the month before. Lenders know this and want to see proof that there is stability with income over a certain period of time. We will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Own New
This scheme is open to anyone purchasing a new build property including first time buyers and home movers. Own New works with home builders and lenders behind the scenes, taking a fee from the home builders and using this with the lender to reduce the interest on mortgage payments for the initial term.
CH Mortgages are Help To Buy Wales accredited firm.
Adverse Credit
People with a less-than-perfect credit history will often have a hard time securing mortgages for their homes. Let our professional team come to your aid with skills that specially cater to securing loans on impaired credit history.
Buy to Let (BTL) and Let to Buy (LTB)
Buy to Let and Let to Buy mortgages are both undertaken with the intention of generating a profit. Buy to Let refers to the process of buying a property with the intention of subsequently letting it out to private tenants. With Let to Buy, it works the opposite way: You let out your existing home to tenants, at the same time as moving into a new home. Contact us for more information on these ventures.
This is just a selection of the Mortgage solutions that CH Mortgages can provide around the Wirral, Chester, North Wales and beyond. Please get in touch if you would like to discuss your options.