Mortgage Services
Personalised Solutions, Every Step of The Way
Find your next mortgage for your home with SGB Mortgages. We have the industry expertise you need to ensure that you can have a seamless mortgage experience. Through dedicated work and communication, we will aim to deliver you the most suitable possible mortgage experience.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Mortgages Tailored To YOur Needs
First Time Buyers
We have worked with countless first-time buyers helping them get onto the property ladder. We know it can be dauting idea at first but working with SGB Mortgages will streamline the process for you. We will assist you through every step of your journey from initial affordability to checks to matching you with the right lender. SGB Mortgages can even help you with negotiations and offers ensuring you get a the right price for your first home.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Home Movers
If you are considering moving home whether to downsize in your later years of life or looking for that extra space for your family, SGB Mortgages are here to help you. We can ensure your sale and new mortgage process is an easy one, helping you along the way while you wait for your chain purchase. If you have already found that next dream home, we can analyse your affordability to see what size of upscale is viable for your next move.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Remortgages & Capital Raising
If your mortgage deal is in its later stages and you are worried about rising interest rates, then you can opt for a remortgage. A remortgage can help you secure more competitive interest rate on your property for the longer term. A remortgage is also ideal for homeowners seeking to release some equity in their property, whether it be for more renovations, a holiday, or to support your children getting on the property ladder.
You can raise capital for a range of reasons such as purchasing investment properties, remodelling or home extensions, debt consolidation, gifting a house deposit, or even releasing funds for a dream holiday. SGB Mortgages can help you release the capital you need for your financial goals.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Self Employed Mortgages
Work with SBG Mortgages to remove the barriers to entering the property market if you are self-employed. We can pair you with specialist lenders who accept only 12 month of accounts history to give you a decision. No matter if you are a sole trader, partnership, LLC, or a LTD company we can help self-employed people get the right mortgage.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
BTL Mortgages (Buy to Let)
BTL Mortgages are a great investment strategy allowing you to invest your excess capital into a property and then let it out to tenants. While BTL mortgages do require a higher deposit the barriers to entry can be lowered with our help. We can help you secure a Buy to Let Mortgage for your next investment.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy-To-Let Mortgages are not regulated by The Financial Conduct Authority
Shared Ownership / Right to Buy
With house prices rising and becoming less obtainable for many a shared ownership mortgage could be ideal for you. This is the process in which you purchase a portion of the property with a mortgage while still paying a rental payment on the part that you do not own. A shared ownership model will make a home that could have been out of your price range much more obtainable.
If you are a council tenant, you could have a “right to buy” this scheme was introduced by the government to allow long term tenants to purchase their council home with a reduced discount. Providing you meet the criteria right to buy could be a perfect way for renters to get on the property ladder. You can learn more about right to buy on the Government website here. You will depart the regulated site of SGB Mortgages who are not responsible for accuracy or the content within the non-regulated site.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority
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Mortgage Adviser FAQ
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
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy-To-Let Mortgages are not regulated by The Financial Conduct Authority.