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.
Lendese has access to thousands of mortgage deals in Lowestoft, including exclusive offers not available elsewhere. We also work with specialist lenders who can assist with unique financial situations.
The amount you can borrow depends on your income, credit history, and financial commitments. Most lenders in Lowestoft typically offer between 4.5 and 5 times your annual income, but this can vary based on individual circumstances.
A 5% deposit is the minimum required by most lenders, but a larger deposit of 10% or more can help secure better interest rates and lower monthly repayments.
Yes, specialist lenders 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, Lowestoft has a growing rental market, making buy to let mortgages a popular option for property investors. These mortgages usually require a larger deposit (typically 25%) and can be taken on an interest-only basis to maximise rental returns.
A mortgage application can take anywhere from 4 to 6 weeks, depending on lender processing times, property valuation, and legal work. Working with a mortgage broker can help speed up the process.
A mortgage broker gives you 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 purchasing a home. If you don’t have one in place, we can recommend reputable solicitors in Lowestoft.
Mortgage offers usually last up to six months. To secure the best deal, it’s recommended to start the remortgage process at least three to four months before your current deal expires.
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