Buy To Let Mortgage Broker Bristol | Commercial Mortgage

Just a selection of lenders that we work closely with.

RESIDENTIAL MORTGAGE

FIRST TIME BUYER MORTGAGES

If you are reading this page and are a first-time buyer or wondering how to even become a first-time buyer, you are in the right place! While we are experts in lending, we are also young enough to remember what it's actually like trying to buy your first property, and quite frankly it can be pretty daunting. You will have so many questions and concerns about all aspects of the process.

We are here to help with everything from calculating how much you can comfortably afford to borrow, liaising with the estate agents, sorting out the solicitor and discussing the insurance options that you need. We will make sure that we are there with you from beginning to end and thereafter should you have questions or concerns after you have moved in.

We pride ourselves on the service that we offer our first time buyers and we have lots of clients that we have helped who have left amazing reviews for us. So if you are interested in finding out a bit more or have questions, no matter how silly they may seem please drop us a line and we will be more than happy to assist you. We never charge for our meetings or our phone conversations so you can rest assured that you are getting honest trusted information from industry professionals that won't complicate or confuse you.

MORTGAGE CALCULATOR

HOME MOVERS

We understand that moving house can be one of the most stressful life events that you embark on. We also know that in a lot of cases, moving house is necessary due to a growing family, financial restraints, or changing geographic needs. Whatever the reason, it is crucial to establish the budget that you have to work with before trawling through the internet property pages and falling in love with that new home. We make this really simple for you. We will undertake a fact-finding exercise and we will provide you with some realistic figures that are affordable, discuss the monthly payments, assist with the legal side, and if necessary, review the insurance options for you. All with no upfront cost or charging. We have a comprehensive range of lenders, so you can be assured that we will have access to some of the suitable products, meaning that we can maximize the affordability as per your circumstances, which will open up more options for that next perfect home.”

So get in touch and let us start assisting you with that next move.

SELF EMPLOYED MORTGAGE

There can often be a misconception that if you are self-employed, you can't get a mortgage. This simply isn't true. It can sometimes be a bit more difficult to get lending if you are self-employed, but more often than not, it's just as possible to get a mortgage if you are self-employed as when you're employed. There will obviously be certain criteria that need to be met, and you will, of course, need proof of income along with additional supporting documents for your business. But even if you have only been self-employed for a year, it can be possible to get a mortgage. Here at LIME, we do a lot of mortgages for self-employed people. So, regardless of your profession, please get in touch and let us assist you with that lending need you have.

BUY TO LET MORTGAGE

We have had a lot of experience over the years in arranging buy-to-let mortgages, so if it's an property investment purchase that you are looking for or simply looking to refinance the existing buy-to-let product that you have”, then we can help. If you've never purchased a buy-to-let property before, we recommend having an initial chat with us, as they aren't for everyone. There are a lot of factors that must be taken into consideration before embarking on purchasing a second property.

CAPITAL RAISING MORTGAGE

Capital raising is when you use some of the equity in your home to put towards buying something else. This could be a new car, an extension, a new bathroom, or perhaps to buy a second property as an investment. It isn't the right thing for everyone, and it is essential that you seek advice before capital raising. LIME is a seasoned expert in this field. We have successfully arranged capital raising for our clients in order to buy all sorts of things, from houses and loft conversions to boats and sports cars. Capital raising can be a great way to facilitate a new purchase, but it can also be costly and lead to a huge amount of increased debt, so we will take our time to thoroughly investigate this with you before recommending the most suitable course of action.

DEBT CONSOLIDATION MORTGAGE

Debt consolidation is basically the process where you pay off debts, often high-interest rate unsecured debts such as loans and credit cards in favour of releasing some equity from your home and increasing the mortgage amount. While this will typically reduce the monthly payment of this debt, giving you more spare income every month, it can mean that it costs you more in interest payments over the term. With this in mind, it's absolutely crucial that you seek advice before making the decision to undertake debt consolidation. Thankfully, we are experts in this field and we have a lot of experience with this. We will look at all the options and undertake various calculations and go through the figures with you while explaining what it all means in layman's terms for you. Debt consolidation can be a very good way of dealing with lots of expensive debts, but it isn't right for everyone, so please get in touch and let us help you establish which is the suitable option for you.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

IMPAIRED CREDIT MORTGAGE

We fully understand that often, through no fault of your own, you have a blemish on your credit file that may have been hindering your mortgage options. However, here at Lime, we have access to over 65 lenders, some of which specialize in lending for people just like you. We have helped so many clients who have been refused mortgages from their banks and building societies that we have gone on to secure lending for. We won't penalize you for having a poor credit file, and we won't charge any upfront fees or charges in finding out what options you have available to you. So if you are finding it stressful or struggling to get a lender, please get in touch and let one of our friendly, trustworthy team help you.

REMORTGAGING AND PRODUCT TRANSFERRING

Every few years, typically two three or five your current mortgage rate will come up for review. This basically means that the deal you are on will end and if a new rate isn’t arranged you will move on to the lenders standard variable rate. This is usually higher than the rate you will be currently on and your monthly payments could jump up, and while flexible its not fixed, so will move up or down in line with the bank of England base rate. This makes it difficult to budget and can be a bit unsettling if you prefer the peace of mind in knowing how much your mortgage will cost every month. There are advantages of being on a variable rate, namely that there are usually no penalties should you wish to repay the mortgage, which can be quite useful in certain situations. Although in most cases we would look to re negotiate a new rate with a lender on your behalf. We undertake all of the paperwork and make this process as smooth as possible to avoid you needing to spend to long having to look into it. Obviously you will likely be offered a new rate with the current lender, but its nice to have that peace of mind that after dealing with us we will work on providing you with the rate that is suitable & right for you.”

COMMERCIAL LENDING

This can be a very complex area of finance as it takes in to consideration a lot of varying factors. Commercial lending can encompass purchasing office buildings, shops, renovation and conversion projects or land. Sometimes it can be a mix of all of these. The fees attached to commercial lending and the costs involved will typically be far higher than the normal residential products although we will gladly guide you through the journey.

YOUR MORTGAGE JOURNEY

STAGE 1: Initial Meeting or discussion.

STAGE 2: We will undertake the research on your behalf to find the most suitable lender and product to meet your individual needs.

STAGE 3: We will present the recommendations back to you detailing all the facts about the product including charges, fees and individual features.

STAGE 4: Once you have confirmed that you are happy to proceed we will then applicate the product on your behalf, deal with the third party companies including insurer, estate agent and solicitor.

STAGE 5: We will monitor the progress of the application and keep you updated and informed. We are always on hand for any questions or queries that may arise during this time.

STAGE 6: Once the offer has been issued we will work closely with your solicitor and agent if necessary to ensure that the mortgage completes seamlessly for you.

STAGE 7: After mortgage completion we will continue to be on hand and available for any ongoing questions.

MORTGAGE CALCULATOR

If you have any further questions please visit our FAQs page or contact us here.

Your property may be repossessed if you do not keep up payments on your mortgage