UK Mortgages
Applying for a mortgage in these uncertain times can be tricky, Baker Financial can help you obtain the best mortgage deal available to suite your needs, requirements and budget.
- Access to the whole mortgage market
- 1000's of mortgages searched to get you the best deal!
- Exclusive deals not available elsewhere
- Bad credit mortgage applications accepted
- Dedicated, experienced & friendly advisors
What types of mortgage can you help with?
We can help you obtain practically ANY type of mortgage, fixed rate, tracker, discounted rate as well as access to the whole mortgage market for residential mortgage we can also help with Buy to Let mortgages, commercial and overseas mortgages offering products from the whole market to ensure you get the best deal available.
We also specialise in helping clients with adverse credit obtain mortgages from a range of specialist lenders.
Capital Repayment Mortgage
A capital repayment mortgage is what most people think of when they consider applying for a mortgage, it simply means that a portion of your monthly payments will go towards repaying the capital each month and a portion will go towards repaying the interest.
- You may also be interested in:
- Loan to value (LTV)
- Income & affordability
- Documentation
- Mortgage insurance
Interest only mortgage
An interest only mortgages are popular for people investing in buy to let properties, an interest only mortgage will allow you to repay the interest on the loan without repaying the capital meaning the monthly payments are kept to a minimum - at the end of the mortgage term the mortgage balance becomes due which, for buy to let properties is often done by selling the investment to return any increase in property value over the years.
Interest only mortgage's are sometimes used when a borrower want to consolidate debt and
apply for a credit repair remortgage - borrowers sometimes opt for this as the interest rates from specialist lenders can be higher that that of a high street lender and interest only payments help keep costs down. Once the debt is repaid and they can go to a high street lender they will typically remortgage onto a capital repayment mortgage thus enabling the mortgage and interest to be paid over time.
High street & good credit mortgages
We have access to some excellent interest rates & high street mortgages, we will be able to source your mortgage or remortgage from some of the best rates in the UK, as well as making the application process as simple as possible, we will manage your application form start to finish making applying for a UK high street mortgage as simple as possible - submitting the application is the start of the process, make sure it completes by using a company who will track the underwriting procedure from start to finish!
Bad credit mortgage
Mortgaging or re-mortgaging with bad credit can be stressful at the best of times, by using an adverse credit specialist you will give your mortgage application the best chance possible of completing - whilst many lenders pulled out of the adverse or none confirming mortgage market when the credit crunch hit, a number of lenders have re-entered the market with products tailored to allow bad credit mortgages to complete and allow funds to be released.
Regardless of you mortgage needs and requirements were confident we can help.
Simply complete the form at the top of this page and we will call you back or telephone 0845 094 2331.
