Mortgage Services
First Time Buyers
Buying your first home is both an exciting and daunting process, with lots of things to think about and do! We are here to support you through the entire journey, so you can focus more on the ‘getting excited’ part!
It is fair to say that buying your first home is likely to be one of the largest purchases you have ever made to date, so it is imperative that the most suitable deal for your circumstances is established. This will help to avoid any costly mistakes as well as any wasted time; let us do all of the hard work for you!
Moving Home
So you have found your next dream home – Great! What next? Moving home doesn’t need to be stressful. Let us take on the leg work of ensuring you can secure your next home. We will carry out a full assessment of your circumstances to establish your borrowing capacity, the level of deposit you require, as well as sourcing a lender that matches your needs.
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We will also review any existing protection/insurance policies you may have (if any), and aim to ensure that you are fully covered for any number of eventualities. This is an essential part of the process and potentially the most important!
Remortgages
Has your existing mortgage deal come to an end? Or maybe you wish to raise some additional funds for home improvements or debt consolidation. Maybe you just feel like your current rate is too high and you would like to know if there are any better options available to you.
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Whatever the scenario, we are here to help and rest assured we will find you the most suited option for your circumstances. As we are impartial and have access to lenders from across the market, we will advise you on the most suitable deal. Sometimes, a remortgage may not be the best option; we will also make you aware of this.
Buy To Let & Investment Property
Whether you are a new landlord or an experienced landlord looking to add to your portfolio, it is essential that you receive accurate advice. We will continue to monitor your buy to let (BTL) mortgage(s) as they approach the end of the deal term. This will ensure your mortgages are well serviced throughout, and will ensure you always remain on the most suitable, competitive deal. If you want an initial chat of how the BTL process works, don’t hesitate to get in touch.
Self-Employed & Contractors
There is often a misconception that it is extremely difficult for the self-employed and contractors to get a mortgage – this is simply untrue. Whilst there may be slightly different criteria for the self-employed and contractors, it does not mean that you won’t be able to achieve your dream home.
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At Octopus Financial, we will not be put off by any client, regardless of your employment status. Whenever there is a way to evidence your income, 9 times out of 10 there will be a mortgage product available to you. Get in touch today to find out more.