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Stephen.byfield@justmortgages.co.uk

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 Stephen.byfield@justmortgages.co.uk

 07882516434

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07882516434

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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.

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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

SGB Mortgages

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Rebekah Khan profile picture
Rebekah Khan
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Stephen has been nothing short of amazing, from having our offer accepted on a house to having a mortgage in place 4 days later Stephen definitely knows what he is doing and maintained clear communication with us each step of the way, searching for the best possible deal for us and keeping us informed. I am in awe at both his ability and professionalism throughout the process. The whole process so far has been incredibly smooth thanks to Stephen, he is clearly experienced and knowledgeable in this field, anybody considering using him will be in very good hands, I can’t recommend him enough!
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Alicia profile picture
Alicia
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Really great experience with Stephen - took time to understand our requirements. And when something changed mid way through the process was on hand to help us out and find the right outcome. Personable and friendly and easy to contact throughout
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Margaret Burns profile picture
Margaret Burns
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Stephen looked after me and my son to purchase our forever home excellent service thank you 😊
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Amanda Dickson profile picture
Amanda Dickson
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Absolutely brilliant service, Stephen was so quick to respond and chase things up for us. He was also very thorough with the mortgage services.
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Mark Bentley profile picture
Mark Bentley
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Highly recommend Stephen when it comes to getting a mortgage. Very knowledgable and will get you the best deal for your situation. Very quick with responses and answers any questions you might have. Makes the whole process so much easier.
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Keith Alty profile picture
Keith Alty
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Stephen got our mortgage within 24 hours. He is efficient, reliable, communicated with us throughout the entire process. Nothing was too much. Would highly recommend.
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Richard Dunham profile picture
Richard Dunham
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I can’t recommend Stephen at SGB Mortgages highly enough. He made the entire mortgage process simple, straightforward, and completely stress-free from start to finish. Stephen was always available to answer any questions I had, no matter how small, and kept me fully updated at every stage of the process. His knowledge, professionalism, and friendly approach made a potentially overwhelming experience feel easy and manageable. If you’re looking for a mortgage advisor who genuinely goes above and beyond, Stephen is the one to choose. Highly recommended!
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Holly Calladine profile picture
Holly Calladine
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Stephen has been amazing. His response time is outstanding and no task has been too big. He is so helpful and so proactive, I couldn’t recommend him more! From contacting Stephen, to viewing a house, getting an offer accepted and then having a mortgage offer accepted, it only took 10 days!! I honestly cannot believe it. The service so far has been great. Highly recommended.
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Arunas Bikauskas profile picture
Arunas Bikauskas
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience! He works on his own but is very professional. He helped me find a reliable solicitor and assisted with insurance. Highly recommended
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Nathan Webster profile picture
Nathan Webster
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Ste is a great guy, very attentive and sorted our mortgage smoothly and quickly. Great communication, thanks again!

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SGB Mortgages

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.

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Mortgages

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Email

Stephen.byfield@justmortgages.co.uk

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Call

07882516434

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Based

Vermont House, Bradley Ln, Standish, Wigan WN6 0XF

Your Home May Repossessed If You Do Not Keep Up With Mortgage Payments

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

SGB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.  Just Mortgages Direct Limited Registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD.  Registered in England No: 2412345. 

 

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