Our Services
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What we do
Your Mortgage Starts Here
Welcome to AP Mortgages! Whether you are a first-time buyer, a home mover or planning for your future, we have the experience and expertise to help you. Take a look at our services and get in touch today to speak to one of the team!
First time buyer
If you’re a first-time buyer, the home buying process can seem daunting. There are a lot of things to consider and it’s important to have all your ducks in a row before taking the plunge. But don’t worry, we’re here to help.
Here are five things every first-time buyer should know:
1. Get pre-approved for a mortgage. This is an important first step in the home buying process. Getting pre-approved will give you an idea of how much you can afford to spend on a home and will also show sellers that you’re serious about buying.
2. Location, location, location. When you’re looking for a home, it’s important to keep your location in mind. You’ll want to consider things like schools, commute times, and neighbourhood amenities.
3. Size doesn’t always matter. A bigger home isn’t always better. You’ll want to pick a home that’s the right size for your needs. If you’re not sure how much space you need, take a look at our handy guide.
4. Consider your long-term plans. When you’re buying a home, you’re making a long-term investment. It’s important to think about things like whether you plan to have children or where you see yourself in five or ten years.If you’re a first-time buyer, following these tips will help you navigate the home buying process and make sure you end up with a home you love.
Buy to Let
AP Mortgages can help you navigate the complex world of Buy-to-Let investing, from finding the right property to securing the right mortgage deal. Our team of specialist advisers will provide you with all the information and support you need to make your investment experience as smooth as possible. Contact us today to find out more.
Remortgaging
Remortgaging simply means switching your mortgage to a new lender, and it could help you get a better deal.
When your mortgage rate ends, it’s a good idea to review your options. You may be able to remortgage to a better deal that meets your needs. We can help you compare deals and find the right one for you. If you have been in your home for a number of years and seen a rise in the value of your property, remortgaging may be an option to raise additional borrowing. Get in touch with us today to learn more about remortgaging and how we can help you secure the right deal for your personal circumstances.
Home Mover
There are a few things to consider when you’re looking for the right home mover mortgage.
Here are a few tips to help you get started:
– First, consider your current financial situation. How much can you afford to borrow?
– Second, think about your long-term goals. Are you looking to move up the property ladder? Or are you simply aiming to switch to a more suitable deal?
– Third, compare different deals from a range of lenders. Make sure you compare like-for-like so you can see which one is right for your circumstances.
– Fourth, remember to factor in any early repayment charges (ERCs) when you’re comparing deals. These can add up, so it’s important to take them into account.
Finally, once you’ve found the right deal, make sure you keep up with your repayments. Missing payments can damage your credit rating, making it harder to get a mortgage in the future.
Get in touch today to discuss your options with our experienced Mortgage & Protection advisers.
New Build/Shared Ownership
New build and shared ownership homes are an excellent way to get onto the property ladder. Shared ownership gives you the opportunity to buy a share of a property (between 25% and 75%) and pay rent on the remaining share.The minimum deposit is just 5% of the share value, making it an affordable option for first-time buyers.Buying a new build home comes with many benefits, such as having a blank canvas to make your own, being more energy efficient and often coming with a 10-year warranty. Plus, with Help to Buy available on new build homes, you could purchase your dream home with just a 5% deposit.Shared ownership is great for those who want to take their first steps onto the property ladder, or for those who want to downsize but remain in their current area. It’s also a great option for people who are struggling to save for a large deposit, as the minimum deposit is just 5% of the share value.If you’re looking for an affordable way to get onto the property ladder, then new build and shared ownership homes could be the perfect option for you. Get in touch with us today to find out more about new build and shared ownership homes in your area.
Happy Homeowners
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