Mortgage

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

The FCA does not regulate some forms of Buy to Lets

First Time Buyer

Taking that first step onto the property ladder is exciting, but it can also be daunting. Navigating the world of mortgages can be confusing, and finding the right deal can feel overwhelming. That’s where we come in.

Here’s what we offer:

Expert advice: We have a deep understanding of the first-time buyer market and can explain different mortgage products in plain English.
Deals that suit you: We work with a wide range of lenders, which means we can negotiate on your behalf and to advise you on the most suitable option that fits your circumstances.
Support throughout the application process: We’ll handle the paperwork and liaise with the lender, keeping you informed every step of the way.

Home Mover

Moving house can be exciting, but navigating the financial complexities can feel overwhelming. Our specialist mortgage advisers are here to simplify your journey. We work closely with you to understand your needs and financial goals, offering:

Expert guidance: We’ll demystify mortgage options, compare lenders, and secure the right deal for you.
Streamlined process: We’ll handle paperwork, liaise with lenders, and keep you informed every step of the way.
Enjoy your home: Let us take the financial burden off your shoulders, so you can focus on the joy of your new home.

Remortgaging

Considering a financial change? Remortgaging could help you achieve your goals. It involves switching your existing mortgage to a new deal, potentially with a different lender, which could help you benefit from:

Lower interest rates: Reduce your monthly repayments and save thousands over the mortgage term.
Consolidation: Combine your mortgage with other debts, like credit cards, into a single, lower-rate loan for easier management.
Access additional funds: Release equity from your property for various uses, like home improvements, education costs, or debt repayment.

We offer expert remortgage advice to help you find the deal tailored to your unique circumstances. Get in touch today to learn more and explore the possibilities remortgaging can offer!

Buy to Let

Considering building a rental portfolio? Our expert mortgage advisors can guide you through the process of securing a Buy-to-Let mortgage.

Benefits:

Regular income: Generate rental income to supplement your earnings or towards future goals.
Long-term investment: Build wealth through potential property value growth alongside rental income.
Portfolio diversification: Expand your investment portfolio beyond traditional assets.

New Build Mortgages

Considering a brand new home? Our expert advisers can help navigate the unique world of new build mortgages. While lenders may have stricter criteria for these properties, we can help you navigate the process and secure the right deal for your circumstances.

Why Choose Us?

Tailored Advice: We understand no two new builds are the same, and neither are your needs. We can give you the ongoing support you need throughout the process.
Streamlined Process: We’ll handle the legwork, liaising with lenders and developers to ensure a smooth and efficient journey as possible.
Market Expertise: Stay ahead of the curve with our in-depth knowledge of the ever-changing new build mortgage trends and government schemes.

Don’t let navigating new build mortgages put a hold on your dream home. Contact us today to get started.

New Build Mortgages

Why Choose Us?

Tailored Advice: We understand no two new builds are the same, and neither are your needs. We’ll find the right mortgage for your situation.
Streamlined Process: We’ll handle the legwork, liaising with lenders and developers to ensure a smooth and efficient journey.
Market Expertise: Stay ahead of the curve with our in-depth knowledge of the ever-changing new build mortgage trends and government schemes.

Don’t let navigating new build mortgages put a hold on your dream home. Contact us today to get started.

Shared Ownership

Shared ownership could be your key to unlocking homeownership. This government-backed scheme allows you to purchase a share of a property, typically between 25% and 75%, with a smaller deposit compared to traditional buying. You’ll then pay rent on the remaining share.

Why it could work for you:

Lower upfront costs: Smaller deposit makes buying a home more achievable.
Get on the property ladder: Start building equity and security in your own home.
Increase your share over time: Gradually buy more shares (staircasing) to eventually own the property outright.

Self Employed Mortgages

Being self-employed shouldn’t hold you back from getting your dream home. While the process may seem different, securing a mortgage as a self-employed individual is absolutely achievable.

At ADR Mortgage Services, we understand the unique challenges you face and have extensive experience guiding self-employed individuals through the mortgage application process.

We’ll work closely with you to gather the necessary documentation, such as tax returns and financial statements, to accurately assess your income and build a strong application. We’ll also help you navigate lender criteria and find the most competitive rates available for your circumstances.

Don’t let your employment status be a barrier to homeownership. Contact us today to get started and let’s discuss how we can help you achieve your property goals

Self Employed Mortgages

Being self-employed shouldn’t hold you back from getting your dream home. While the process may seem different, securing a mortgage as a self-employed individual is absolutely achievable.

At ADR Mortgages, we understand the unique challenges you face and have extensive experience guiding self-employed individuals through the mortgage application process.

Don’t let your employment status be a barrier to homeownership. Contact us today and let’s discuss how we can help you achieve your property goals