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Mortgages

We want to take the stress out of your mortgage 
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When you get a great mortgage, the money you save can make a big difference to your lifestyle. But getting there can be really complicated. The mortgage process has a lot of parts, and a lot of things that can go wrong

We are an Independant mortgage broker

How do you know the deal you get is the the most suitable one for you? We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgage, but not deal’s that you can only obtain by going direct to a lender.

For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan).  For those seeking a ‘Retirement Interest Only Mortgage’, a ‘Lifetime Mortgage’ may be available and more appropriate for your needs.

We are out to eliminate stress

We search from a wide variety of lenders so we know how to find out what’s happening, how to avoid pitfalls, and how to put together a winning application. The mortgage process can have you tearing your hair out in frustration. We’re here to make it easier, at every point in the process.

Don’t get lost in the mortgage maze. Give us a call.

 

First time buyers

Congratulations! Buying your first home is one of the most exciting times in your life. We love nothing more than getting people into their first homes, eliminating the stress so you can enjoy the moment.

There’s a lot to go through, and things can get difficult, but we’ll be with you every step of the way. Contact us to get started.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgages

 

Could you get a better deal this time? It is entirely possible that you are paying too much for your current mortgage. Maybe you need to consolidate other debts, or raise extra capital. Whatever your reasons for remortgaging, we can show the whole of the market, and get you the the most suitable mortgage available, based on your needs, circumstances and preferences.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE

Buy-to-let

This is a highly specialist market, so extra care is a must. There’s a lot be taken into account when you’re applying for any mortgage, but a Buy-to-Let mortgage is especially complex.

We are experts in Buy-to-Let mortgages. We’ll get to know your situation and assess all factors before recommending the most suitable deal for your circumstances.

Please be aware that from 1 April 2016 higher rates of Stamp Duty Land Tax will be applied to the purchase of additional residential and non-residential properties. Please follow the link for further information.

MOST FORMS OF BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON YOUR MORTGAGE.

Because we don’t want to be beholden to anybody but you, we charge a fee to our clients. Our typical fee for arranging a mortgage is  £450. The precise amount will depend on your personal circumstances in addition to any commission received from the lender, this also applies to buy to let mortgages.

We will use your name, email address and contact number (personal information) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you please see our Privacy Policy.

Email communications are not secure and for this reason Cooper Rose Mortgages Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.