First-time buyer guide Purchasing a property is an exciting and memorable experience for many people, however, many people may be unsure of the process, or the process may seem intimidating for some individuals, especially for first-time buyers. Starting the full mortgage process can be the first step towards some individuals
When applying for a mortgage, it’s important to understand the process and all the documents needed. Lenders will assess the risk posed by applicants through the evidence provided, so all documentation must be accurate and up-to-date. Mortgage brokers and mortgage lenders will request documents from every customer for all mortgage
Buying a property through an auction can be a great way to get a good deal on a property, but it is important to understand the process before committing. The first step in any auction purchase is to register with the auction company and arrange viewings of the property you
Reviewing your mortgage with an advisor is a great way to get access to extra funds and make the most out of your biggest financial asset – your home. In 2023, remortgaging can offer you a range of benefits that can help you unlock financial freedom. Staying with the existing
When looking to buy any property for commercial use, such as an office, shop or restaurant, a commercial mortgage is necessary to complete the transaction. Even if you’re buying a mixed-use property with both residential and business spaces, such as a pub with an attached flat or house above it,
A green mortgage is a type of home loan that helps homeowners to save money and reduce their environmental impact by investing in an energy-efficient home. The incentives for securing this type of mortgage vary between lenders and may include cashback for buying an energy-efficient property, or a lower interest
Buying a house is a big decision and one that requires careful consideration. Before you make an offer on a property, it’s important to complete a house survey. A house survey looks in detail at the condition of the property and can help inform you about any potential issues that
When it comes to applying for a mortgage, using child maintenance as income can be a complicated process. Lenders have different criteria when it comes to taking into consideration the income from child maintenance payments and some may not accept it at all. To better understand how to include these
A limited company mortgage is a type of mortgage that is taken out by a limited company to purchase a buy-to-let property. This means that the ownership of the property is held by the company rather than an individual. A limited company that is set up for the sole purpose
Mortgages for those working on Zero Hour contracts can sometimes be a challenge to secure. Most lenders require proof of a stable stream of income in order to consider an application; however, the rise of zero hour contracts over the past few years has presented new opportunities for prospective mortgage
LTC Mortgages is a trading name of LTC Mortgages (NW) Limited company number 12564758 is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 929476.
We are a credit broker, not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). amend with the applicable/appropriate commission models. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
