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Considering a mortgage often starts with how much can you borrow?

This will be assessed by each lender slightly differently, some will reduce the amount they will lend you if the property is leasehold, some will allow you to use child benefit as part of your guaranteed income others will want to know how much you pay for your gym membership.

It is definitely the point at which you should start to take advice.

At Joanne Ramsden Financial Solutions Ltd we will take the time to gather your information to assess which lenders will look more favourably at your situation and where we can place your mortgage to get you the most suitable mortgage for your needs.

Based on the information you provide us we will advise on affordability without a credit check in order to preserve your credit score. This will save you time as you will only complete one set of details and we will search the lenders for you.

Once you have found a house we will liaise with the estate agent, solicitor and lender to help make a smooth home purchase transaction.

We have access to thousands of mortgages available in the UK and will find the most suitable for your individual criteria.

A fee ofupto £395 is payable on application and is non refundable. We will also be paid commission from the provider.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it. You also have the right to request an illustration for any mortgage we offer.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Joanne Ramsden

Joanne Ramsden