0800 140 4644
Mortgage and Lending Support
Are you looking for independent mortgage advice? Are you a first time buyer and unsure what type of mortgage to apply for? Or are you looking for the best remortgage deal or mortgage deal on your next home?
Talk to us. Our chartered accountants and financial experts have over 150 combined years of experience helping home buyers in Hampshire and Surrey.
Are you searching for free UK mortgage advice?
If you’re considering buying a new property, finding a suitable mortgage deal yourself can be a time-consuming and often stressful process. At Black & White, we offer impartial mortgage advice that removes the burden involved with searching and applying for the best mortgage deals for your personal and financial circumstances.
With our service, we guide you through the mortgage application process from the acceptance of your offer on your new home right through to sale completion.
Mortgage advice for first time buyers
As a first time buyer seeking impartial mortgage advice, we understand that finding the most suitable mortgage can be a challenge.
Perhaps you’ve got bad credit, are self-employed, between jobs or are just unsure of how the whole mortgage process works.
At Black & White, we take the time to get to know you and your specific requirements via a free one-hour mortgage consultation. During your meeting with our accredited financial professionals, you will find out:
- How much your monthly mortgage repayments are likely to be
- Which lenders are likely to approve you for a mortgage
- How much you are likely to be able to borrow
- Which mortgage lenders offer deals for first time buyers
- How you can get a mortgage if you have bad debts and CCJs
- Which lenders currently have the best interest rates
As well as your monthly mortgage repayments and initial deposit, it’s worth bearing in mind that there will be some additional costs to cover if you’re considering buying a property including solicitors and surveyors fees. Some lenders may also charge an arrangement or booking fee.
To find out more about mortgage fees, speak to our independent financial and property experts today by calling 0800 140 4644 or emailing [email protected].
Applying for a mortgage – how much can I borrow?
The size of your mortgage is based upon your level of income. Some banks and mortgage providers assess your affordability for a mortgage based on your monthly incomings and outgoings whereas others take a multiple of your post-tax income when deciding how much to lend.
A typical mortgage is roughly four times your annual income. The majority of mortgage lenders, however, will look at other criteria too, including any unpaid loans and debt you may have, any previous CCJs or defaults, your savings, your partner’s income (if you’re applying for a joint mortgage), and the amount you’re able to put down as a deposit.
What else can a mortgage advice bureau help with?
At Black & White we’ve offered independent and impartial mortgage advice to thousands of home buyers in the Hampshire area and beyond. As a trusted mortgage advice bureau, we work with hundreds of potential lenders to help find the best mortgage deal for you.
Our dedicated team of financial experts provide practical advice covering all of the following areas:
- Buy to let mortgages
- First time buyer mortgages
- Fixed rate mortgages
- Self-employed mortgages
- Remortgaging
- 95% mortgages
- Let to buy mortgages
- Variable rate mortgages
- Offset mortgages
- Poor credit mortgages
- Expat mortgages
Mortgage advice services in Hampshire and Surrey
Do you require advice and expert guidance on how to find the best mortgage deals in South East England? If so, get in touch with Black & White Accounting today.
We’ve been helping home buyers like you save money for over 20 years and we have built a reputable and fully accredited network of mortgage brokers in the Hampshire and Surrey areas.
Our financial consultancy services don’t stop at mortgage advice, however. As chartered accountants, we’ve able to assist with a whole manner of accountancy matters including bookkeeping and tax returns all for a fixed monthly fee.
Why not join us for a free one-hour consultancy at our Hampshire headquarters to discuss the options available to you in more detail? To get in touch with us, simply fill in the form below, call us free on 0800 140 4644 or email [email protected].
Make an enquiry
Our friendly team is on hand to answer any of your queries. We will contact you within 24 hours to discuss your requirements and give an indication of pricing. Alternatively, you can contact us via phone or email using the details provided below:
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