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Mortgages

Here at Muscat & Co Mortgage Solution we offer a wide variety of mortgage advice for clients within Bristol and the surrounding area including Bath. As a professional mortgage broker please see below examples of the mortgage advice we can offer:

First Time Buyer:

If you're thinking about buying your first home you're probably finding the whole process of choosing the right mortgage and actually buying your ideal home rather daunting. So what do you need to know to get on to the first rung of the property ladder?

The first step is to contact us and we will advise you on the mortgage options available to you.

How much can you borrow?

As a rough guide, a typical amount is four times your income. This figure could be higher or lower depending upon your individual circumstances and different lenders' criteria. Some lenders do not use income multiples at all and will lend based on affordability.

For more information, get in touch today!

Re-mortgage:

We will work with you to check the terms and conditions of your existing mortgage. These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. You can then decide if it is worth switching to a different rate or stay put until the penalties have expired.

The whole process should take about between 6 & 8 weeks to complete. Once you have received a completion statement from your solicitor or new lender, the process has finished and your new mortgage is in place. For more information, get in touch today!

Buy-to-let:

As we have access to thousands of mortgages,the ability to negotiate exclusive deals with a huge range of lenders, we can offer a wide range of buy-to-let mortgages with some special features:

From as little as 20% deposit required
First time buyers buy-to-let products available
No minimum personal income required
Buy-to-let remortgage packages, including free fee's
Generous rental calculations available of between 125% - 145% of the monthly mortgage payment
LTD Company Buy to Let Mortgages
Much more...

Whatever your mortgage requirements, we're certain we can find the mortgage for you. For more information, get in touch today!

Help To Buy:

In 2013, the Government launched Help to Buy, this is a scheme aimed at increasing access to low deposit mortgages. There are 2 schemes avaliable requiring only a 5% deposit.

Help to Buy Mortgage Guarantee Scheme

This scheme helps you buy a new build property or an existing property and is open to both first time buyers and home movers in the UK.

Help to Buy Equity Loan Scheme

This scheme helps you buy a new build property and is open to both first time buyers and home movers in the UK. You will require a deposit of at least 5%, the government then loans you up to 20% (interest free for the first 5 years) of the cost of the new build home.

For more information, get in touch today!

Home Mover Mortgage:

If you're moving house and are looking for a mortgage it is important you get good, solid advice. As an existing home owner you'll understand how small differences in rate can have a major impact on your repayments and that it pays to get expert advice. Many home owners looking to move will face difficulties securing a new home mover mortgage, even from their current lender.

The main factors affecting current mortgage availability stem from the lending problems faced by lenders over the last few years. As competent and experienced mortgage brokers we aim to find you the most suitable home mover mortgage given your particular circumstances

For more information, get in touch today!