Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495 depending on your circumstances.
*The actual amount you can borrow will be dependent on a more detailed assessment your financial situation, property value and the size of your deposit or equity.
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*The actual interest rate will be dependent on a more detailed assessment your financial situation, property value, lender and the size of your deposit or equity.
At Lendese, we have access to thousands of mortgage deals in Bury St. Edmunds, including exclusive offers you won’t find elsewhere. We also collaborate with specialist lenders who are able to assist with unique financial circumstances, providing customised mortgage solutions for UK residents.
The amount you can borrow depends on your income, credit history, and existing financial commitments. Most lenders in Bury St. Edmunds typically offer between 4.5 and 5 times your annual income, but this can vary based on individual circumstances.
Most lenders require a minimum of a 5% deposit, but a larger deposit (10% or more) can help you secure better interest rates and reduce monthly repayments.
Yes, specialist lenders in Bury St. Edmunds offer mortgage deals for those with a history of missed payments, defaults, or a low credit score. Your options may be more limited, but we can help find a lender who suits your needs.
Yes, Bury St. Edmunds has a growing rental market, making buy to let mortgages a great option for property investors. These mortgages often require a larger deposit (typically 25%) and may be available on an interest-only basis.
A mortgage broker provides access to a wider range of mortgage deals, including exclusive rates not available on the high street. We compare thousands of options to find the best fit for your financial situation.
Yes, a solicitor or conveyancer is required to handle the legal aspects of buying a property. If you don’t have one in place, we can recommend trusted solicitors in Bury St. Edmunds.
The mortgage application process typically takes between 4 to 6 weeks, depending on the lender, property valuation, and legal work. Using a mortgage broker can help speed up the process.
Mortgage offers usually last up to six months. To secure the best deal, it’s advisable to begin the remortgage process at least three to four months before your current deal expires.
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