Finding for a property and a right mortgage in a market can get really challenging. Especially if you are a first-time buyer, you are likely to encounter several hurdles along the way.

Amidst these challenges, it is important to seek help from an independent mortgage broker who would give you a sense of direction. Mortgage brokers have access to whole of market which means you are not missing out on mortgage deals.

Yes we can find you lender if you are on work visa. Most lenders would prefer to see indefinite leave to remain but if you do not have ILR it is possible to get mortgage on visa. Some lenders even ignore visa; criteria if you have 25% deposit.

Another common issue faced by mortgage borrowers is that of bad credit. If you have accumulated bad credit over time, you are likely to face rejections from several lenders. Yet again, you need not worry about finding a mortgage deal with Marianna Financial Services. Our brokers would help you find specialized lenders who consider providing mortgages to borrowers with bad credit (depending on the nature and severity of bad credit).

Credit Score is the major factor in your mortgage application. Your Income decides how much lending you could get from lender. Deposit is the other major factor in your mortgage application. Your current debt like credit cards and loan commitment. These are important factors that would affect your application.

There are two major ways in which you can remortgage your property – remortgage with the same lender or remortgage to a new lender. Borrowers who choose to remortgage with the same lender called product switch. The process is very simple for product switch. But they may not know if they have the best remortgage deal. As your existing lender already knows you well, the overall process of remortgaging your property becomes easier and faster. Always speak to mortgage advisor who will advise you if you should remortgage to new lender or go with new lender.