Welcome

To LTC Mortgages

LTC Mortgages understand how important a decision of getting a mortgage is. It’s not just about taking out a mortgage, it’s about getting the keys to your new home, improving the one you’ve got or arranging your finances for the future.

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    What LTC Mortgages Offer

    Just Some Of The Services Offered

    First time buyers max LTV 100%

    No Deposit. No Problem. We can arrange a 100% value mortgage for many first time buyers.

    House purchases

    Whether its your first or fifth, we can help you purchase the house you want.

    Remortgages

    Looking to remortgage? We can give you tailored advice to get the right deal.

    Capital Raising

    Need to release funds from your house for other purposes? We can help. Think carefully before securing debts against your home.

    Self Employed

    Being self employed and purchasing a home shouldn’t be a worry, let us help.

    Buy to let

    Looking to buy to let, we have access to mortgages across the spectrum. Not all buy to lets are regulated by the Financial Conduct Authority.

    Let to buy

    Renting out your property may allow you to move into a new home without needing to sell in a rush and potentially at a loss.

    LTD Company BTL Mortgages

    If you already own a ltd company and are looking to purchase a new property, we can get your mortgage with ease. Not all buy to lets are regulated by the Financial Conduct Authority.

    Shared ownership & equity

    Shared-ownership is a great way into home ownership, we deal with shared equity purchases year round.

    Bridging finance

    Need short term access to money in-between property sales/purchasing? We’re here to make things run smoothly.

    Self build

    We’ve helped countless people who needed a mortgage for a home that’s yet to be built.

    Debt consolidation

    Consolidate your debts by arranging through LTC and benefit from lower interest rates and simpler payment plans. Think carefully before securing debts against your home.

    Life insurance

    Life insurance provides a safety net for your family and loved ones if you die.

    Critical illness cover

    Help protect yourself and your family from the financial repercussions of a range of serious illnesses.

    Income protection

    How would you pay the bills if you were sick or accidentally injured and couldn’t work?

    Buildings & contents insurance

    It’s not just stuff, it’s what makes a house a home. Make sure your home contents as well as your home itself are covered if something goes wrong.

    Accident sickness & unemployment cover

    You will typically receive a proportion of your income for up to 12 months.
    Think Carefully Before Securing Other Debts Against Your Home. Your Home May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage.

    The Process

    What happens when getting a mortgage

    • 1. Assessment

      I meticulously assess your application and supporting documents to get a close idea of how you manage your finances. I want to make sure you are not stretching yourself and that you are getting the right mortgage for you.

    • 2. Valuation

      Whether you’re buying or remortgaging, at this stage the bank’s surveyor will check that the property is priced correctly and suitable for mortgage purposes. You’ll be given a choice of what level of inspection you would like, we will advise if you need anything other than an ordinary survey.

    • 3. Offer

      Once your valuation is complete, the bank will carry out their final checks before writing to you and your solicitor with the mortgage offer. This will include a copy of your valuation.

      If you’re remortgaging, the bank will likely appoint one of their solicitors. They will give you an information pack detailing what happens next.

    • 4. Completion

      The final step is the completion itself. This is where , if you are remortgaging, the bank either release the funds to you. If you’re buying a new property, it’s when your solicitor sends us the Certificate of Title and in return we release the funds to them. Once the seller has received the money, the house purchase is complete. You get the keys to your new home!

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