SGB Mortgages
Get Your Next Mortgage
Reviews Verified By Google
See More Here
First Time Buyers
Home Movers
Remortgaging
Buy To Let Mortgages
Self Employed
Mortgage Journey
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Take The First Steps Towards Your Next Mortgage
Why Work with SGB Mortgages
Proven Track Record
Consistent Communication
Industry Knowledge
Why Work with SGB Mortgages
Proven Track Record
Consistent Communication
Industry Knowledge
Our Happy Homeowners
Keep In Touch On Instagram To See More
By clicking on the above link, you will be transferred to a site which is not regulated by the Financial Conduct Authority. We give no endorsement and accept no responsibility for the accuracy or content of any sites linked to this site.
Start Your Mortgage Journey Today
Specialising In Helping First Time Buyers
Mortgage Solutions for A Range of Circumstances
What Types of Mortgages Can You Help With?
SGB Mortgages offer advice on a number of mortgage solutions to fit your needs. Some mortgage types that we specialise in are -
- Mortgages for first time buyers
- Self Employed mortgages
- Remortgaging
- Mortgages for moving home
- BTL Mortgages (Buy-To-Let)
- Shared Ownership / Right to Buy
How Do I Know if I’m Eligible for a Mortgage?
SGB Mortgages will help you find out if you are eligible for next mortgage. Contact us to get an eligibility check.
How Much Can I Borrow for a Mortgage?
Borrowing allowances will vary from lender to lender and your personal circumstances. It is often considered that a guideline will be 4.5 times your annual income. Some factors that will affect how much you can borrow will be –
- Your annual salary
- Your affordability & credit rating
- The size of your deposit
- The price of the property you want to buy
What is a Remortgage?
A remortgage is the process of taking a new mortgage on a property you already own. People opt for this to release capital or get better rates. We can advise you if a remortgage is the right choice for you.
Can You Recommend a Conveyancer?
Conveyancing is a crucial part to any home purchasing process; it can also be the slowest. A bad conveyancer can add lots of time on your wait to completing your purchase. If you do not know a conveyancer to use, then we can recommend a couple.
‘The products and services promoted here are not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business. These products are not regulated by the Financial Conduct Authority.’
How Long Can I Get a Mortgage For?
We will advise on a mortgage duration that will suit your circumstances. Mortgage durations can often be 25 years years, but could be as long as 30, 35 or
40 year terms.
What Fees are Involved in Getting a Mortgage?
In addition to saving your deposit for your mortgage you should also consider the additional fees involved in obtaining a mortgage.
Some fees involved are
- Mortgage advisor costs – the costs of the services from your mortgage advisor.
- Stamp duty – providing you are not a first-time buyer, and your purchase is over £125,000 then you will have to pay a stamp duty tax.
- Booking fees – Additional charges from a lender to purchase your mortgage.
- Snagging costs – If you are purchasing a new build property then it is highly recommended you get it snagged prior to completing your purchase.
- Conveyancer fees – These are fees from your conveyancer to complete all the legal work required for the purchase or sale of a home.
Most buy to let mortgages are not regulated by The Financial Conduct Authority
Work With A Mortgage Advisor That Knows Your Area
People want local services and that’s exactly what we are. SGB Mortgages are a locally based mortgage experts, here to assist homeowners and full-time buyers with their next purchase. We work, live, and raise our families in the Northwest. We know the housing market inside and out and can help you make the right choices for your needs. We offer personalised support and guidance that the large mortgage firms just can’t match. Stay up to date with all our latest news via our Blog.
A few of the Areas We Help:
Atherton , Aspull, Abram, Bickershaw, Billinge, Rainford, St Helens, Skelmersdale, Standish, Hindley, Wigan, And Many More!
Meet Your
Mortgage Expert
Stephen Byfield
Renowned for my friendly and knowledgeable approach, I am known as a bit of a cheeky Chappy in the industry. Clients appreciate my Hard working, exceptional organizational skills, boundless energy, and proactive nature in liaising with lenders, estate agents, and solicitors. I take pride in going above and beyond for every client, working flexible hours to accommodate their needs and delivering a Gold Standard 5-star service.
My world revolves around my partner Rosie and my nine-year-old daughter, Sophie, whose presence inspired me to Go Self employed when she started School four years ago.
I have two Dogs – A labrador – Duke & Penny The pug
Two cats – Floyd and Jimmy.
Reviews Verified By Google
See More Here
All figures used in our mortgage calculator are intended as an example to outline what your terms could be. They do not represent a mortgage quote. An assessment of your eligibility will have to be completed before you can get an accurate quote.
Calculate Your Mortgage
Use our fee-free mortgage calculator to get and idea of what mortgage is right for you. If the price feels good to you then contact us and we can begin your mortgage eligibility check.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Calculate Your Mortgage
Use our free mortgage calculator to get and idea of what mortgage is best for you. If the price feels good to you then contact us and we can begin your mortgage eligibility check.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
All figures used in our mortgage calculator are intended as an example to outline what your terms could be. They do not represent a mortgage quote. An assessment of your eligibility will have to be completed before you can get an accurate quote.