Mortgages
First Time Buyers
Buying your first home is the most important purchase you will ever make. We understand that the process 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.
Remortgages
Nearing the end of your mortgage term? Signing a deal with the same lender is always an option but what if you could save money by signing up with a new one instead? Let our mortgage advisor guide you on which lender to choose for your remortgage based on the current rates!
Buy-to-Let Mortgages
Buy to Let mortgages allow you to invest in property with the intention of letting it out and building a property portfolio that helps you earn extra income. This is an excellent secondary source of income for many people in the UK, especially if you plan to save your incomings for a stable retirement. It should not be seen as an easy way to make money, and should be viewed as a long term venture.Contact us to find the best mortgages for buy to let properties!
Self-employed and Contractor Mortgages
Being self employed can sometimes make a mortgage a little more difficult to obtain. 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.
Right to Buy Mortgages
We have a wealth of experience when it comes to arranging right to buy national mortgages. Right to Buy is a government scheme that lets you buy your home at a substantial discount if you’re a council tenant. Our expert brokers have strong relationships with an extensive network of providers to help our clients with this.
New Build and Shared Ownership
Getting a mortgage on new build property can be more complicated as some lenders may require a bigger deposit. The Government has brought in more help for people in this situation such as help-to-buy equity schemes and shared ownership, all of which we can advise on.
Bad Credit Ratings
People with a less-than-perfect credit history will often have a hard time securing mortgages for their homes. Let our mortgage advisor in Manchester come to your aid with skills that specially cater to securing loans on impaired credit history.
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. Contact us to find out more about debt consolidation.
Think carefully before securing other debts against your home.
This is just a selection of the Mortgage solutions that Alan Ryan Financial Services can provide around the Oldham, Tameside and Greater Manchester area. Please get in touch if you would like to discuss your options.