Residential Mortgages
The residential mortgage market in the UK is one of the most competitive and innovative in the world. There are a wide range of banks, building societies and mortgage companies offering products in the market, with a variety of residential mortgages to suit all types of potential house buyer.
IMAS offers reliable Mortgage advice. Whether you're a first time buyer, moving up the property ladder, or looking for a better deal, we will try and find the mortgage that best suits you.
| This web site starts to help you navigate your way through the mortgage market which may seem an overwhelming and intimidating process, especially given the abundance of available mortgages and mortgage providers. Please do not over concern yourself in this respect, as the service level we offer is one of Advice and Recommendation. |  |
As totally independent mortgage brokers we can guide you through the mortgage market as a whole in an unbiased fashion. Mortgages for any purpose- for refinancing, releasing equity in your home, *consolidating loans, student loans, combining unsecured loans, refinancing, reducing interest and monthly payments on loans, *self employed, *arrears, contractors, freelancers, *adverse credit, *debt consolidation.
*For adverse credit the overall cost for comparison is 7.9% APR. Actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct as of 15/06/2007
You may be considering your residential mortgage options, either to buy a new property, or to re-mortgage and capital-raise or consolidate borrowings.
If so, you may have found that traditional lenders are unsympathetic to your specific needs. You may also have found that the choice can be so extensive that it all becomes too much and you cannot be sure which mortgage scheme is the best for you or if you are getting the best deal. You may also find yourself spending hours by visiting individual banks and building societies and without visiting them all never be sure that you have made the best choice.
Self Employed Mortgages
**
If you are self employed and looking for a mortgage you would probably need 3 years accounts for a Full Status Mortgage. If however , like many self employed, your accounts do not show your full earnings or if you have no accounts you can go down the Self- Certification route. In many cases these rates are no more than a Full Status mortgage, depending on loan to value [LTV]
See our web page on Self Certification Mortgages.
**For self employed the overall cost for comparison is 7.5% APR. Actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct as of 15/06/2007
Please complete the Residential Mortgage Advice Request Form and we will get back to you to discuss the most appropriate Mortgage Package to suit your circumstances! Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate it to be £595.
As totally independent mortgage brokers, we have access to over 14,000 mortgage schemes, some of which are exclusive, and we can help you find the right mortgage, such as mortgages with:
- **No proof of income up to 90% of property value
- No set up fees
- Cheque book facility to draw funds on your mortgage as and when you need them
- Funding at residential rates of interest which in some cases can be below the Bank of England base rate. This funding can be used for any purpose – your business, holiday home, debt consolidation etc
- A range of variable or discounted rates
- Fixed rates for 2, 3, 4 ,5, 7, 10, 15, or even 25 years
- Flexible payment mortgages
- Daily interest rate mortgages
- *Adverse credit catered for (CCJ’s, bankruptcies, defaults and arrears)
- Commercial mortgages
- Buy to Let mortgages
- Self build mortgages
There will be a fee for mortgage advice. Our typical fee is £595.