Talking shop at a dinner party is not everyone’s idea of a great evening.
I honestly believe this happens to mortgage brokers more than any other profession.…other than maybe doctors.
I was asked about how lenders calculate the loan available for a Buy to Let mortgage. Riveting conversation subject matter I'm sure you'll agree?
The way a lender calculates the loan available on a BTL product via a ‘rental calculation’. This means the amount of rent received is a major factor in determining what the loan available to you will be. Each lender has a different calculation and criteria around which tax bracket you (the borrower) are in, (stop me if this is getting to complicated) changing the figures used in the calculation and giving a different outcome based on your personal circumstances.
The short version of this is you need an advisor who is well versed with Buy to Let in order to not only get the best deal but get a deal at all! We look after lots of portfolio landlords (you are a portfolio landlord if you own more than four properties in most lenders opinions) as well as landlords with one property. With ever changing criteria and a potentially volatile market place it is imperative to seek advice. Aside even from the fact that most Buy to Let lenders are unavailable to the borrower to access directly.
I know helpful!
What Documents will I need to provide to get a mortgage?
So, you are applying for a mortgage. How do you prove you can do what you say you can?
The answer lies in a list of documents requested by your broker and lender, and is for most clients, the part of the application process they dread. Some of the more common questions when documents are requested can be;
Do I really need to send you all these months bank statements?
I haven’t got my last pay slip, does this matter?
Can’t you just apply and see what the lender asks for?
The fact of the matter is that when asking to borrow a large amount of money you will need to provide plenty of evidence to verify certain things, for both the lenders and the brokers benefit.
These will include;
We as your broker are of course regulated by The Financial Conduct Authority (FCA). It is quite proper for due diligence to be carried out when applying for a mortgage.
There should be no surprises for you as a client when documents are requested, it should be made clear what the expectations are in this department right for the outset. No one will give you a mortgage without evidence you can afford it, your documents fulfil this task.
Luckily these days we are able to accept scanned copies of documents, as well as online bank statements and online pay slips. This means Prospect Tree Mortgages are able to help you wherever you are based.
Documents required upon application
Latest 3 months pay slips (13 if received weekly) If overtime, bonuses or commission is being used additional pay slips evidencing this will be required. Your P60 is a useful document to have handy as well as it shows your total income for the last financial year. Latest 3 months bank statements (for all current accounts) Photo ID, Proof of address, Proof of deposit (if a purchase). There could be more documents requested at any time by your broker or the lender you are applying to.
Latest 2 years full accounts or SA302 year-end tax calculations (along with the corresponding tax year overview) from HMRC. Proof of address, photo ID, latest 3 months bank statements (for all current accounts) There could be more documents requested at any time by your broker or the lender you are applying to.
This gives you an idea of the documents required to complete a mortgage application, but is by no means an exhaustive list. Once we have carried out the initial fact finding process with a client we will always request a specific list of documents based on their individual circumstances and requirements.
Our aim at Prospect Tree Mortgages is to make our clients life as easy as possible, and once we have the documents we need from our clients we get on with the work. Processing the mortgage application, liaising with the chosen lender and making sure a mortgage offer is achieved as quickly as possible with minimal pressures on your time.
You're a first time buyer. How exciting! But buying a home is a massive project management task and it can be extremely complicated. On the bright side, a Mortgage Advisor can make all the difference between a nightmare experience and a smooth one as far as the finance side of things is concerned. Here's what you can expect from a good Mortgage Advisor.
Understanding your situation and needs properly
Even a tiny difference in your mortgage rate can save you thousands in interest over the years, and a Mortgage Advisor is your best bet for efficient, effective shopping around without the hassle. They are likely to have exclusive deals with lenders that only they can access. They'll do all the research for you. They'll also save you time by telling you which lenders are likely to accept you and letting you know how to improve your application. And they can even speed up your application by dealing with the paperwork for you, using their expertise to make your application as attractive as possible.
A qualified mortgage broker specialises in mortgages. It's their job to find the right mortgage with rates that suit your budget, showcase the best options, identify the best lenders and mortgage deals. Every home buyer is unique, with their own budget, outlook, attitude, expectations and needs. You need a Mortgage Advisor who takes the time to get to know your situation and treats you like an individual. Someone who understands that a property purchase is about much more than buying a building - it's also deeply personal. This is the type of service our mortgage advisors in Kent pride themselves on delivering.
Find an advisor who can offer more than one solution
Because mortgage rates and offers can vary so widely, it's best to work with a Mortgage Advisor who can source products from a number of different lenders. This is in contrast to a mortgage broker at your local bank or building society who are restricted to offering their own products only. Working with a local mortgage broker means you have more options and are unlikely to miss out on more competitive deals.
Excellent customer service
The best mortgage advisors are highly efficient, with a fast turnaround on the paperwork and the motivation needed to contact you at every stage with updates. They're discreet and thorough, and the duty of care they have towards their customers means they'll be able to justify their recommendations if asked.
They make their recommendations based on your individual circumstances, exploring your deposit and repayment preferences, various interest rates, your credit history and other critical information to pin down the mortgage offers you’re eligible for. As such they are a valuable partner in the home-buying process.
Having thoroughly explored your circumstances they'll be able to explain the different deals and types of mortgage available, tell you which ones they think are the best for you, and give you good, clear reasons why they're making the recommendations.
A quick turnaround of the mortgage agreement in principle
When buying a property, speed is often the essence. Delays can mean chains break and buyers drop out. When you secure a mortgage offer there's no hard and fast rule about how long it takes. T But you'll probably need to wait for anything from two weeks to a month from application to the mortgage offer stage, as long as things are straightforward. A good mortgage broker will keep things on track at every stage.
Local and national advice
Local expertise is often invaluable. If you want someone who only deals locally, in your country or region, you should be able to find a suitable Kent mortgage advisor, for example. But a good, reliable Mortgage Advisor in Kent will be able to provide advice nationwide.
Make the right choice
Choose the right mortgage advice from the right person and the whole mortgage process can be more of a pleasure than a pain. Our experienced mortgage brokers at Prospect Tree Mortgages are ready to support you with any mortgage needs you may have. Get in touch by calling 0800 8620 840 or use our online form to get started
Kent based mortgage brokers Prospect Tree Mortgages are delighted to announce their recent shirt sponsorship agreement with Kent Cricket Club for their 2019 campaign. Prospect Tree Mortgages will be the main shirt sponsor of England and Kent Cricket Cricketer Joe Denly.
Joe Denly was the first Canterbury-born cricketer to be capped by Kent cricket club in 2008. The right-hander is widely regarded as one of the most attractive strokemakers on the county circuit.
In 2018, Denly became the first player to ever score a century and take a hat-trick in the same T20 fixture, away at Surrey in the Vitality Blast.
The end of the 2018 saw Denly scoop up the PCA’s Vitality Blast and Royal London One Day Cup Most Valuable Player Awards, as well as the overall 2018 County MVP Award.
His form in 2018 earned him a maiden England Test call-up that winter, becoming the first player born in Canterbury to play a Test for England.
Nick Daynes, Director of Prospect Tree Mortgages stated, “Joe is the younger brother of our very own mortgage advisor Sam Denly. We are delighted to be supporting Joe and wish him the best of luck throughout his England test and Ashes campaigns.
Kent County Cricket Club has awarded Joe a Testimonial in 2019 which will feature many fantastic events to raise money for Joe and his chosen charities. Details of all these events and more can be found by following this link: http://www.joedenlytestimonial2019.co.uk/
The mortgage valuation is based on the surveyor's knowledge of comparable prices in the locality. It may also give a "minimum reinstatement value", which is the amount of money it would take to rebuild the property from scratch, should it ever be necessary. The mortgage lender will also ask to see evidence that a suitable buildings insurance policy is in place, together with confirmation that you are covered for the minimum reinstatement value.
The mortgage valuation is for the benefit of the mortgage lender, NOT you the buyer! It is designed to give enough information for the lender to decide whether the property is safe to lend on, and up to what amount. Though you may pay for the report, you may not get a copy or even see what the surveyor has written. In some circumstances your mortgage broker may be able to obtain a copy of the report but this is not always possible.
You should NOT solely rely on your mortgage valuation if you are buying a property. In fact, the lenders valuation is exactly that, a valuation, and not a survey at all. The lender is taking the risk when lending, that the security (the property) is of adequate value to cover the loan they provide to the borrower. This safeguards them should the borrower default on the payments and repossession is necessary. This is the only reason the mortgage lender carries out a valuation at all.
Have you ever heard the phrase ‘drive by valuation’, ‘desktop valuation’ or ‘index valuation’? No, well let us explain, all these basically mean is that no one has actually physically been to the property to value it. Shocked? Well this is why it is so important to have your own survey done on a property you want to buy, because if you don’t and there are problems you didn’t know about they are now YOUR problems.
At Prospect Tree Mortgages we encourage buyers to carry out at least a homebuyers report when buying a property. An independent surveyor working for and paid by you ‘the buyer’ has your best interests in mind. You will receive a comprehensive report on the state of the property you are buying, and we can assure you the surveyor will spend at least a few hours inspecting the property and will provide a detailed report. It always surprises us that when making the most expensive purchase in their lives, buyers in the main will not have a survey to check that the property is safe and does not have any hidden issues.
If you are thinking of purchasing a property our expert mortgage brokers would be more than happy to walk your through the process as well as arrange a mortgage agreement in principle for you.
What is this new type of mortgage I hear you shouting from the stalls!
Well, it’s a way of First Time Buyers increasing the amount available to borrow by including a parent or guardian in an affordability calculation, all whilst not sharing or diluting the ownership of the child’s first home. If you think this sounds remarkably similar to using a Guarantor then you would be right, well, sort of….
The main benefit of this type of mortgage product is the ability to borrow more, this is because the parent's income is taken into account, and more importantly, the parents will not be liable for the additional 3% stamp duty normally applied when buying a second home property.
The lender takes into account the parents’ salary alongside the child’s, increasing their ability to borrow and therefore their options for buying. Projecting forward, the idea is that once the child has started to earn more money and is in a position to take on the entirety of the mortgage debt, they are able to remortgage and release the parent from the joint mortgage. This is important to remember as both parties are applying for the mortgage and are therefore both responsible for the mortgage payments being made every month.
The main difference to a guarantor mortgage is that the parent is only putting the mortgaged property at risk as opposed to potentially their other assets (including own home) when acting as a guarantor.
What situations will a Joint borrower sole proprietorship mortgage be useful?
There are a number of scenarios in which this type of mortgage might be used, we have detailed some of these below:
If an applicants’ income is low:
Many lenders will accept up to four applicants and consider two incomes. A few will accept the incomes of all four.
If an applicant is newly self-employed:
They may not have enough income to cover a sole mortgage.
Applicants with no credit history:
Some people may have no credit history at all, or a low credit score. In this instance adding someone with good credit can help get the mortgage approved.
If the main borrower has bad credit however, adding a joint borrower is unlikely to help just to overcome credit issues (more sensible to consider a specialist bad credit lender)
Things to consider when considering a Joint borrower sole proprietorship mortgage
Before taking out this type of mortgage, we recommend you spend time thoroughly discussing the pros and cons with an experienced mortgage broker who can support you to find a mortgage that best suits your needs and circumstances.
What happens if the relationship breaks down between homeowner and additional borrower?
It can be a difficult process to extract yourself from a JBSP mortgage as the additional borrower / non-legal owner. The fact that a JBSP mortgage was taken out in the first place suggests the legal owner probably can not afford the mortgage on their own. If this is the case a mortgage lender is very unlikely to agree to release the additional borrower from the mortgage. Independent legal advice should always be sought prior to entering into this type of mortgage.
Will being on a JBSP mortgage as an additional borrower affect me going forward?
In short. Yes. If you as the non-owner want to buy a property with a mortgage and take out a new line of credit the total monthly mortgage payments will be included in any affordability calculations. If you remortgage an existing property the same issues with affordability may arise and hamper your previously simple transaction.
How do I get off this mortgage?
I would suggest working out how you will get off the mortgage before entering into a JBSP mortgage (see above for pitfalls). The legal owner may plan on earning enough to support the mortgage on their own, or add a spouse or partner to the mortgage allowing the lender to release you from it.
In the event that the legal owner is unable to keep up with the mortgage repayments as the additional person on your mortgage YOU will also be liable to pay them.
In this case, the legal owner may need to sell the property in question in order to not burden the additional borrower, who would be 100% liable for the monthly mortgage payments in the same way as the legal owner.
Like all types of mortgages there is absolutely a place for Joint borrower sole proprietorship mortgage products. However, as an additional borrower on this type of mortgage we would recommend taking independent legal advice before agreeing to be on a Joint borrower sole proprietorship mortgage, and most importantly be aware of the impact this will have on your own personal circumstances in the future.
For help with arranging your mortgage contact your local mortgage broker on 0800 8620 840.
As a first time buyer, life is tougher than it has been for decades. In the 1980s it was still possible to earn a low wage and save to buy your own place. A flat cost maybe three times your salary. An average studio flat cost £30,000, you were paid £10,000 a year, you got a mortgage without much trouble, and it was relatively easy to manage. Now, according to the government's UK house price index, the average UK property costs around £226,000. No wonder most of today's UK first time buyers are around 30 years old.
Just like the old days, you still benefit from saving a decent deposit, maybe 5% or 10%, but that's a lot more money than it used to be when property prices were lower. To buy an average home you need a 10% deposit of more than £22,000, or a 5% deposit of around eleven grand, and that's no joke. At the same time a 100% mortgage is a very rare thing, almost unheard of these days.
There's more. Mortgage providers are more risk averse than they used to be, and they'll make you work hard for a mortgage offer. Unless all your ducks are in a perfect row, with no issues or problems, you can easily be turned down.
All this means that as a first time buyer you've got your work cut out for you, assuming you're prepared for the long haul it involves. Many young people these days have given up and don't bother trying to get on the property ladder. If you live in the super-expensive South East your dream home might even feel like a complete impossibility.
Whatever your situation, you really need to know how much money you can borrow before you start looking at places to buy. Getting in touch with a local mortgage broker is the best way to find out how much you can afford, they’ll guide you through the process and handle the complete mortgage applications.
Luckily there are some handy options available to help you improve your chances of getting on the property ladder. Here they are:
Some of the most popular first time buyer mortgages are joint ones, where you buy a home with other people, for example a good friend, partner, or family member. They might help pay the deposit, or pay part of your mortgage, or add their income to yours so you can afford the kind of place you need. It may mean you and the others own equal parts of the property as joint tenants, or a different amount each, which makes you tenants in common. Either way it's wise to get independent legal advice before taking out a joint mortgage, and make sure you've legally agreed, up front, what happens if one of you wants to sell up or leave. A Mortgage advisor can give you a better idea of how this type of mortgage works.
Shared ownership / help to buy
If you earn less than £60,000 a year a shared ownership mortgage could be just what you need. It means taking out a mortgage on a percentage of the property, while either the government or a landlord owns the rest. You pay low rent on the value of the property that isn't in your name, and you can often buy a bigger share of the property later on, when you can afford it.
Help to Buy is effectively a government equity loan. If you have a 5% deposit saved you can get on the housing ladder by buying a newly-built property. The government lends you as much as 20% of the property value and after five years you begin paying interest on the loan they've provided.
With the help of a guarantor, a trusted person who will pay the mortgage if you can't, you could get a bigger mortgage for your first home than you would otherwise manage. The guarantor in these cases is usually a parent or close family member, and while you don't need to put their name on the mortgage, they will need to sign a legal agreement confirming that they’ll pay your mortgage if you fail to. you do need independent legal advice to make sure everything's boxed off properly and all future potential circumstances taken into account.
Why you need local mortgage brokers
If you live in Kent, for example, find a good local Kent mortgage broker. The property scene is different across the country, cheaper in some places and expensive in others. Different regions have different issues and problems. Local insider knowledge means you can get a better deal, or more choice, or at the very least some valuable insight into the areas you're thinking about buying.
If you need a mortgage agreement in principle or just want to know a but more about mortgages and the options available to you feel free to contact Prospect Tree Mortgages on 0800 8620 840, we are able to help you no matter your location.
The length of mortgage terms has always been a hot topic. But with the likely age of retirement reaching new highs, and lenders criteria also as strict as ever, a longer term seems inevitable to many new borrowers.
There are a number of factors contributing to the length of a mortgage term. The most significant being affordability and budget.
Lenders calculate clients’ affordability based on various criteria, length of the term being one. It stands to reason that if the loan available to an applicant significantly increases with a higher term this will be attractive. House prices have been increasing steadily over the last 10 years and are at an all-time high (in most areas), in contrast, the affordability calculations lenders now employ have got stricter, often including many more regular expenditure as well as committed expenditure on a monthly basis.
A borrowers’ budget is the maximum amount affordable per month when taking into account all the other expenditures they have, committed or otherwise. If the monthly payment for their mortgage reduces with a longer term, then this will look extremely attractive. After all who wouldn’t want to pay less per month for the same house?
Add this to the potentially higher loan amounts available and more and more borrowers will be considering longer mortgage terms. How else are they going to be able to afford the property they need?
My own take on the longer mortgage terms hitting the headlines is that like most things the 40-year term may be ‘a means to an end’. Similar to clients with adverse credit who may be forced to use a lender with a higher rate for their first fix and then move to a cheaper lender after the first fixed rate period finishes. A borrower with a 40-year term may well plan to be in a better budgetary position after their first fixed rate term comes to an end, thus allowing them to reduce the term upon re-mortgaging. Of course, their ‘plan’ to be in a better position may not happen by that time.
It is too easy to chastise borrowers and their brokers alike when discussing longer mortgage terms. The fact of the matter is that clients use brokers to do a job, in many occasions this is to assist them in borrowing the maximum amount they can, allowing them to compete with all the other buyers in the same position as them, if they can get more money over a 40 year term and the monthly cost is lower I am afraid the total amount of interest payable over the entire term does not really play a major role in the borrows decision making (even if this is pointed out by the broker).
Opinion by Kent based Mortgage Broker Nick Daynes , Director of Prospect Tree Mortgages.
So you're thinking about buying a place of your own? It's a complicated process, knowledge is power, and it really helps if you understand the ins and outs of every aspect of the procedure properly. Here's what you need to know about a mortgage in principle, whether you need one, and how to get one.
What is a mortgage agreement in principle?
A mortgage agreement in principle is also called an AIP for short, and sometimes called a 'decision in principle', 'agreement in principle' or 'mortgage promise'. It's actually a 'certificate' that shows you how much money your lender is happy to hand over so you can buy a home or investment property.
An AIP is useful because it makes a lot of sense to know roughly what you can borrow when you go house hunting. There's not much point spending time and effort viewing places you'll never be able to afford, for example, and it's also important not to restrict yourself unnecessarily just because you're not sure how much cash you've got to play with. Once you know for sure, your search for a place to buy will be a lot more efficient and effective.
Remember there's no guarantee
A mortgage agreement in principle isn't a guarantee. Just because a lender says they'll lend you an amount, it doesn't mean that's what'll happen. They might decide not to lend you a penny. To know for sure what you can actually borrow, you need to make a full and complete mortgage application, and wait until you're given an actual mortgage offer. The final sum can easily differ from the original decision in principle.
Can you do without an AIP?
An AIP isn't a must, and there's no law saying you have to get one. In fact any good, experienced mortgage broker should be able to give you a decent idea of roughly how much you'll be able to borrow without needing an AIP. Having said that, some estate agents tend to see people who have a mortgage in principle in place as more serious and more organised, buyers who are likely to move fast, decide fast, and buy fast.
What do you need to do to get a mortgage agreed in principle?
The most popular question asked is what do i need for a mortgage in principle?
A mortgage broker is your best bet. You need impartial, good quality mortgage guidance from someone who is qualified to advise you. Some brokers have access to the entire mortgage market, able to choose from a vast range of products and deals. Others deal with the products of just one or a handful of providers. Whoever you choose, they'll ask basic questions about your situation, arrange a credit check, and pin down a suitable lender for you.
Can you be turned down altogether?
The lender has one priority – to make sure you can pay back the money they lend you. Part of this due diligence process involves assessing how well you’ve dealt with debt in the past, so having a County Court Judgement against your name, or bad debt, or any other credit issues, will affect the loan you can get. If you have a bad debt record, a lender might turn you down altogether or charge you a higher interest rate than someone who manages debt better than you.
How long does a mortgage in principle offer last?
Because people's circumstances can change with the blink of an eye, a mortgage agreement in principle is usually only valid for anything between 30 and 90 days. You could lose your job, for example, or fall critically ill. But don't worry. As long as nothing has changed, the lender should be happy to extend the agreement for you.
One thing to remember...
Mortgage agreements in principle involve credit checks, and while two or three credit checks in short succession shouldn't affect your credit score, lots of checks in a row might look suspicious and have a negative impact on your credit score. It's probably safest not to ask multiple mortgage brokers to search the market for AIP deals for you at the same time.
Contact the team at Prospect Tree Mortgages If you need help finding out how much you can afford to borrow or require a mortgage agreement in principle certificate quickly. We are available on 0800 8620 840 or use the contact form on our website.
What do i need for a mortgage in principle?
This is the first time you're buying a home of your own, the first time you'll own a freehold or a leasehold interest in a property in Britain or abroad. That officially makes you a first time buyer, and you'll need a mortgage. So what, exactly, do you need to know? This is your guide.
Can you afford your mortgage repayments?
Your first step is to find out whether your income provides you with enough money to pay back a mortgage. If you have a regular income, it needs to be big enough to leave you the spare cash you need to pay the mortgage every month. If you have one or more large loans already, lenders might not feel happy about lending you more and potentially leaving you in an impossible position.
Your car finance or credit card or personal loan repayments might be too large, leaving you without enough money to set aside each month to pay off a home loan. You might have a bad credit record or CCJs – County Court Judgements - against your name. All this will affect your mortgage application and impact the interest rates the lender will want to charge.
You can fully expect the mortgage lender to ask a lot of questions and make plenty of checks. They'll not only make sure you can genuinely afford to pay the loan back, but they'll also ‘stress test’ your ability to pay if interest rates go up or your circumstances change. And they'll want to see actual evidence of your outgoings as well as proof of income. Once you've explored your finances and confirmed you'll have enough money, it's time to think about the deposit you'll need to pay.
How much deposit do you need to save?
Once upon a time, 100% mortgages were common. Now they're as rare as hen's teeth. It's more than likely you'll need to pay a deposit on your first home, and that means saving anything between 5% and 20% of the purchase price. If the home you want costs £150,000 you will need at least £7,500 to hit the 5% deposit mark. The more you save, the better and cheaper choice of mortgages you'll have.
What about the other costs involved in buying a home?
As well as a mortgage, you'll need to fork out money to pay for a collection of other sale-related things. Surveys, solicitors, removals, home insurance, the cost of decorating and furnishing your new place, plus any fees associated with arranging the mortgage and valuation. And there's Stamp Duty, a special tax the government levies on the property market. In Scotland it's called Land and Buildings Transaction Tax, and in Wales it's called Land Transaction Tax. But whatever it's called, as long as your property is liable for Stamp Duty you will have to pay it. Bear in mind first time buyers don't pay Stamp Duty on the first £300,000 of a home worth up to half a million pounds.
Know the difference between freehold and leasehold
If you want to buy a house, it’ll probably be freehold. A flat, however, will probably by leasehold, unless someone in the building has already bought the freehold for the residents to share. The difference is simple – a freehold lease includes ownership of the land under and around the property, a leasehold doesn't. Plus most leaseholds come with the burden of paying ground rent or yearly service charges so make sure you check these both with the estate agent and via your solicitor.
Check for any relevant 'affordable home-buyer' schemes
You might struggle to get on the property ladder at first, which is why it's always wise to explore the potential for government-backed schemes designed to give home buyers a helping hand. The lender will, however, still want proof you can afford to pay back the loan. Before you find a home to buy, find out whether there's an affordable housing scheme, Help to Buy scheme or shared ownership scheme that you can take advantage of.
Use a specialist broker to find the best mortgage
Unless you know the lingo, understand the jargon, and are familiar with the way the financial services sector works, it's best to talk to an expert, an experienced mortgage broker. They'll have a deep understanding of the different types of mortgage available, and they'll give you the best advice for your unique circumstances. The team at Prospect Tree Mortgages can offer you mortgage advice and arrange a mortgage that suits your needs and circumstances.
Apply for your mortgage
The mortgage application process usually involves proving your income via payslips and bank statements. If you’re self-employed, it'll involve your annual accounts and tax returns, going back at least two tax years, though there are some lenders who might lend on just one year of accounts.
Bear in mind that someone else responsible can guarantee a mortgage for you if you're having trouble finding one you can afford. A guarantor mortgage can be a life-saver under these circumstances, where a parent or close relation agrees to be legally responsible for paying the mortgage if you suddenly can't manage. It's a legally binding contract and should never be taken lightly. Your guarantor must be able to take your mortgage over and pay it if the lender demands it.
Prospect Tree Mortgages are mortgage broker in Kent but can offer advice nationally. Prospect Tree Mortgages can arrange a mortgage agreement in principle or agreement in principle certificate so that you can view properties in confidence knowing that you can move quickly to purchase the right property. Happy home hunting!
To speak to a local Kent mortgage broker near you, call 0800 8620 840 or use this contact form.