LTC Mortgages offer a personalised service in all aspects of domestic residential mortgages. 

We have a relationship with lenders in the area, so we have the best chance of getting you a great deal on your mortgage rates with a residential mortgage.

We can help you find the right mortgage if you’re a first-time buyer. 

Mortgages for first-time buyers can be a daunting process, but LTC Mortgages can help you access the best mortgage rates on the market. We can help take the stress away that comes with buying a home, so let our expert team of mortgage brokers be the ones to help you step onto the property ladder with a first-time buyer mortgage.

Choosing to re-mortgaging can be for a number of reasons - find the best deal with us.

Staying with your current mortgage lender could limit the deals you can get. Don’t settle for your current lender’s standard variable rate (SVR), we can help you find the best rates so you can make the most out of your remortgage deal. Whether you are looking for better interest rates or something more flexible to take control of your finances, we have access to all the information on the market to find you the best rate and help to avoid any unnecessary fees.

Moving home can be stressful, but we can help you to streamline the process.

If you are looking to move home, you may need to increase the size of your mortgage loan amount. Getting the right deal for you whilst you make this transition is crucial. LTC Mortgages can help you find the right home mover mortgage whilst ensuring that it is still affordable and suits your needs. Some mortgage lenders will allow you to take your existing mortgage to your new home, but this may not be the best deal for you. We take the hassle of this from you, by letting us shop around we find the most appropriate deal for you and your new circumstances.

Being self-employed doesn’t have to mean you’re left with the worst mortgage deals.  

Getting a self-employed mortgage can be difficult as mortgages for the self-employed are more complex for an applicant. You will need to provide more information to lenders for them to consider as earnings are more difficult to track. Being self-employed does not have to limit you on mortgage deals available. As specialists, we can help those who are self-employed find the right mortgage and help with any of the difficult processes.

Finding the best deal for buy-to-let mortgages can save you money on interest.

When purchasing property to intend to rent out to tenants, you will need to find the right buy-to-let mortgage. Typically buy-to-let mortgages have higher lender fees and interest rates and deposits will be different to those for regular mortgage loans. LTC can help guide you in the right direction and take care of all the paperwork so you don’t have to, saving you time and energy.

Credit history can impact your mortgage, but having help means you will find the best deal.

If you have problems with your credit history then you may need our expert help in finding you the right mortgage. Lenders can be reluctant to offer a mortgage but there are still plenty of options for you that LTC Mortgages can find you. We are in touch with lots of lenders that are willing to lend you adverse credit mortgages.

Help to Buy schemes are there to help first-time buyers make their move on the property ladder.

Government data shows that the average age of owning a house has gone up, this is why the government launched its Help to Buy scheme to help first-time buyers get onto the property ladder. New builds are often an attractive option to home buyers. Although mortgages for new builds can sometimes be tricky especially before the build has been completed. Mortgage offers usually only last for 6 months, which can be tricky if the house isn’t completed yet. We can communicate with the lenders on your behalf so you can be stress-free and look forward to your brand-new home.

Whatever the mortgage you are looking for, contact LTC Mortgages and our expert mortgage brokers will be happy to help you whatever your situation may be. Fill in a contact form  on our website fill out.

These mortgages were designed to help people who cannot afford to buy a property outright get onto the property ladder, they allow borrowers to buy a share in a property – usually 25-75%.

Shared equity works by providing the buyer with a loan which will form part of the deposit for the property you want to buy. Then, you take out a shared equity mortgage on the remaining part of the property’s value.