First time buyers/ Buying a home
Buying your first home can feel like such a confusing,stressful and complicated time. CJ White mortgages have successfully helped countless first time buyers get into their first home whilst helping them clearly understand the process and alleviate stress with effective communication and guidance. We take the complicated process and simplify it so you can understand exactly what you can and can't do. We work hard to provide you with all the tools you need to make educated decisions on whats best for you and your future.
It's often a common misconception for people to think they have no way of buying a house. With all the government support schemes and our expert advice, we just may be able to make it happen.
And better yet, in costs you nothing to find out exactly what you can and cant do. Just contact us to find out more!
Buy To Let
Perhaps the biggest challenge for our investors is getting the best mortgages that fit their current or future plans. The BTL market is very complex and requires a Mortgage Advisor with many years of experience who has strong relationships with the BTL lenders.
Our advisers have many years of experience with BTL's, LTB's (Let To Buy) and Limited company BTL's. As an appointed representative for the one of the largest mortgage networks in the UK we have access to lenders that a lot of other mortgage brokers dont. HSBC for example do not deal with all brokers, only those that are approved distributors.
We appreciate that our investors are very busy people and getting the very best mortgage deals and then servicing these mortgages takes a great deal of time for you. Simply contact us and we can do all of this for you saving you time and money.
Re-mortgage advice is vital and far too often overlooked. Many people feel that it's a hassle and they don't have the time to get advice, so they either sit on the standard variable rate (SVR) or take a new product with the lender they currently have, without exploring if there are any better rates available.
At CJ White Mortgages, we aim to look after our clients for the long haul, proactively contacting you when your mortgage product is due to expire and presenting you with the very best deals available to you.
We understand that clients circumstances, needs and priorities change with time. We carefully advise you each time you re-mortgage so that your mortgage is tailored for you and your family. We take all the hassle out of the process and make it as streamlined and stress free as possible.
We save clients thousands of pounds in interest, so please don't put off getting re-mortgage advice, its vital!
Are you self employed? If so don't worry, so are we!
Self employed lending criteria is very different and does require tailored, expert advice.
Every lender has completely different lending criteria and as a result, vastly differs in regards to how they treat a self employed income.
We are highly experienced in this area and we too have to service self employed mortgages for ourselves. We can guide you on what lenders suit you and of those lenders who will give you the very best deal.
Oh and yes, you can get a mortgage with just one years accounts!..