Mortgages

Professional mortgage advice for all types of buyers.

First Time Buyer

‘I just didn’t know where to start!’

David talked us through the process, documentation, costs and everything, really! He explained it really well and in language I could understand!

Remortgaging

“My fixed rate mortgage deal was expiring soon. What should I do?”

Centre Court were excellent! Just by running through a short conversation I understood there could be much better options than staying with my current lender!

Buying your next home

“We needed to move home but didn’t know what we could afford or how it works?”

I now know not all lenders are the same! The advice I had was invaluable and I have now moved to a lovely home I thought was out of my reach.’

Company Directors

“I was told by the High Street lenders that I couldn’t borrow what I need to?” Company Director"

By chatting with David, I was able to move without taking unnecessary drawings from my business and this was very beneficial from a tax point of view! The attention to my personal circumstances was excellent.

Limited Company Buy to Let

“We want a Buy to Let property but we’re really worried about the tax bill!”

I am so glad that David was involved as he worked with our accountant so that we were able to make much better tax plans. We had not even considered this but they showed us a highly tax-efficient way of buying a rental property!

Self Employed and Contractors

“All the big lenders said “No!” they could not decide whether I was employed or self-employed! Centre Court sorted it!"

David was able to place my case with lenders that were able to use my company accounts more favourably and understood my position better.

Home Improvements

"We’d love to extend our property but we’d need to take out a loan and it is so expensive!”

Now we’ve been able to modernise it and add an extension.

Lifetime Mortgages

"At my age I thought it would be impossible to release money from my home"

We had been offered a secured loan but the rates were much higher than we ended up paying by including this into our remortgage.

Stamp Duty and Mortgage Payments

'I’m confused about the total costs of taking out a mortgage – Stamp Duty and the monthly payments. How can I be sure I can afford it? '

Our easy-to-use calculators tell you the Stamp Duty you may have to pay and your approximate monthly mortgage payment.

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I highly recommend David if you are looking for a mortgage broker that has immense patience and is an expert in his field. David has done many of my mortgages, I have recommended him to family and friends who have all have been extremely satisfied with the service that he has provided. I have found David and Alison approachable regardless how small my query might seem. I would definitely use him again !

- Lucy Jarvis

Types of Mortgage advise

first time buyers getting a mortgage

Buying your first home?

Buying your first home is exciting but daunting too! It is such an important decision and it’s easy to feel overwhelmed by all the choices you have. Getting the right mortgage is vital and this is where our expert advice can make all the difference.

We will explain your options clearly, translate the jargon and help you work through all the paperwork. Most importantly, we will listen to you and make sure that we fully understand your personal circumstances so that we can make recommendations that meet your specific needs.

It is never too soon to seek advice. Speak to us so that you can tap into our wealth of experience and understanding of the mortgage market. With no pressure!

We will give you an understanding of how much you can borrow and the deposit required. We will explain the different mortgage deals available from the wide range of lenders we work with, many of which, are not on the High Street.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

getting a remortgage

Remortgages

If you’re not happy with the terms of your current mortgage you no longer need to just stick with it. Gone are the days when clients stayed with one mortgage lender for 25 years. Nowadays the mortgage market is very competitive and it makes sense to look around and to seek independent professional advice.

  • Is your current mortgage coming to an end?
  • Do you need to raise additional capital for a new project or for home improvements?
  • Would you like to raise some funds so that you can give your children some financial help?

We are mortgage experts with over 30 year’s experience. We can help you find the right mortgage for your needs and circumstances.

Speak to us! We have access to thousands of products from over 50 lenders. Plus, exclusive products from time to time.

We can advise you on the more appropriate way forward and recommend a product to suit your needs. Sometimes, we can even obtain a better deal from your current lender!

Get in touch for a free,

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

buying your next home

Buying Your Next Home?

Entering the mortgage market again can be a daunting prospect. There is a vast choice of lenders and products out there. Plus, there have been lots of change in the mortgage market recently. Changes to:

  • Mortgage rules
  • Stamp duty
  • Taxation

A helpful mortgage adviser can make all the difference. At The Centre Court Partnership we can advise on the right way forward and recommend specific products to you, from the thousands that are available to us from over 50 lenders.

We can advise if you should:

  • Carry over your current deal
  • Top-up to a new product or
  • Change lender

We take the time to understand your personal circumstances and use our knowledge and experience to come up with possible solutions.

Helping you find the mortgage that best suits your current and future needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

mortgages for company directors

Company Directors

Mortgages for Company Directors can be tricky to negotiate. Many lenders do not understand that your real income may be higher than just your salary and dividends. Many company directors pay themselves just a nominal salary for good tax reasons.

This is a complex area, but it’s an area we specialise in. At The Centre Court Partnership we take into account business profit and then add back the salary, to give a more realistic picture of your earnings and income. We will calculate the best mortgage options for you and seek a lender who is happy to lend to clients in your circumstances.

Some lenders simplify this complex issue and do not take the time to understand your business and the tax flexibilities of a limited company. We do! And we will find you a lender who does this too.

Talk to us! Yes, it’s complicated but by no means impossible! We are very experienced in this area and would love to help you find the right Company Director mortgage for your needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

buy to let mortgages

Buy to Let – Limited Company

Many Buy to Let investors are waking up to the knowledge that the tax on their income tax has dramatically increased with the new legislation.

As a result buying in a limited company name is one of the fastest growing sectors of the market.

Taking tax advise is vital in any investment arena and Buy to Let should be no different. It is important to have a strategy in place, but success can be decimated without planning for tax.

With changes in stamp duty legislation, corporation tax and capital gains tax, many clients have been advised to buy the new properties in a company name for the many potential benefits. Making the right choice is vital. More lenders have entered this arena and rates have become more competitive.

Whilst we do not give tax advice but we can advise on a range of limited company products and we are happy to liase with your tax adviser accordingly to make sure that you are getting the correct advice going forward.

It is vital to explore this well in advance so that you can prepare the structure of your investment properly and get the most appropriate mortgage advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Some buy to let mortgages are not regulated by the Financial Conduct Authority

mortgages for contractors and self-employed

Mortgages for the Self-Employed and Contractors

When you are a contractor or self-employed it can be difficult to get a mortgage.

We understand this. We are self-employed!

If you work on a day rate as a contractor, many lenders are not interested. But there are lenders who understand your situation and are prepared to lend to you. Sole traders and partnerships also have a different structure from the norm. We have been helping clients with these types of income for many years.

Speak to us. We can find some very competitive mortgage rates for contractors and the self-employed, and we can help you understand the limitations you may face. We can also help you prepare for the mortgage application process so as to maximise your chances of being successful.

It’s what we do! Give us a call on 01372 747799

first time buyers getting a mortgage

Additional Mortgage Borrowing

Additional mortgage borrowing can be a very effective way to fund an extension or other home improvements. You may want to raise some money for other reasons too.

Raising money against your property can be done through your current lender. This is called a ‘Further Advance.’ Or through a loan from a different lender secured against your property. This is called a ‘Second-Charge Mortgage.’ Funds can also be raised through unsecured borrowing.

The most popular method for our clients is to raise the money as a new mortgage with additional borrowing.

We do not offer advice on further advances or second-charge mortgages currently but we can discuss all these options with you and direct you to a suitable professional adviser.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

equity release on lifetime mortgages

Lifetime Mortgages and Equity Release

Lifetime Mortgages and Equity Release is a growing sector. It is designed to release capital as income or a lump sum, or for both.

Many people have most of their wealth tied up in their property but are unable to borrow because they do not have the necessary income to service the interest on borrowed funds.

A Lifetime Mortgage is usually repaid by the sale of the property when you (or you and your partner if a joint mortgage) pass away or move into long term care. Interest can be paid in regular amounts, or accumulated and repaid from the eventual sale.

The funds freed up by Lifetime Mortgages and Equity Release can be used for any purpose. Ideal for supplementing your income or for gifting to children and/or grandchildren. Helping them on to the housing ladder or to improve their home. Many of our clients have used this option to repay an existing mortgage and reduce their outgoings.

As with any major financial decision, it is vital to obtain professional advice. The Centre Court Partnership is part of the Openwork network of financial advisers and a member of the Equity Release Council. So you can be fully confident in the advice we provide about Lifetime Mortgages and Equity Release.

You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone.

The Centre Court Partnership are appointed representatives of..

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