Up to date independent mortgage information

The Credit Crunch has had a major impact on the range of mortgages on offer to house buyers. Since October 2008 the Bank of England's rate fell several times to it's lowest point in history. This resulted in nearly 90% of mortgage deals being withdrawn from the market leaving lenders increasingly cautious.
 
The Independent Mortgage Store can help you because we have access to the majority of the remaining mortgage deals. We will always look for the best mortgage to suit your needs.
 
  • Setting up a mortgage in principle
  • Helping you to re-mortgage
  • Finding mortgages for students
  • Securing Buy to Let mortgages

Setting up a mortgage in principle

Many house buyers find their dream home but lose out because they have failed to secure a mortgage. Set up your mortgage in principle with the Independent Mortgage Store and we can submit your application as soon as your offer has been accepted. With fewer mortgages on offer and the mortgage application process now taking up to three months, it makes sense to be prepared.  

Re-mortgaging

Save money by taking advantage of the lowest mortgage rates for over 300 years and re-mortgage your property.  If you are planning to remain in your existing property it is now possible to remortgage for any purpose including  releasing equity.  If you are on the standard variable mortgage rate, you could save money by remortgaging. 
 
Student mortgages
 
Student mortgages

 
Most students don't realise that mortgage facilities are also available to them. Here at the Independent Mortgage Store we have a team of independent mortgage brokers who are specially trained in this market.

Anyone who is over 18 and under 65 may be eligible. All that is required to qualify is either to have a guarantor or a sufficient deposit. In some circumstances even foreign students who have no income in Britain are eligible for a mortgage subject to status. On nearly every occasion we saved our clients money by helping them buy their own property compared to renting while a student. We have helped hundreds of students and graduates from Glasgow's universities find their first mortgage.
 
Buy to Let Mortgages
 
For clients who wish to let their own home or build a portfolio of properties.
If you have been thinking of investing in property and becoming a landlord, then you are not alone. Buy to let is a popular form of investment for clients with some spare cash. With mortgage rates now at their lowest in over 300 years and rental incomes stable, this is being considered by clients as a potentially safer and more lucrative investment compared to other traditional forms of investment.

The Independent Mortgage Store is well positioned to assist any clients who wish to invest in a second home as we can search the whole of market to obtain you the best buy to let package to suit your current needs. Clients can purchase a second property with as little as a 15% deposit. We can assist in arranging the full mortgage package that best suits your investment strategy when buying a second home to let out. We can also assist you in building a profitable property portfolio.
 
Offshore Mortgages
 
For clients who wish to purchase a British property while living abroad.
If you have been thinking of investing in property however you plan to live abroad, are currently an expat living abroad or you are a foreign nation, a mortgage facility is now available with only a 20% deposit. If you are any of  the following you could qualify for an Offshore Mortgage:-
* You are looking to move abroad to live or work
* You are an expat cleint wishing to rent out propety while working or living abroad
* You qualify for NOR status (not ordinarily resident)
* You have an off shore address
* Your income is received in a foreign currency
* You are an overseas investor
    (you wish to purchase a property for a child being educated in  the UK)