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ARM Associates' Feedback (September 2023)
"Exceptional service and negotiated with mortgage provider to generate the best rate at the time. Highly recommended service from ARM associates."
The Key to Your New Home
The Key to Your New Home
Buying a property is likely the biggest financial commitment you will ever make. We ensure you have the right funding to make it happen.
1. Residential Mortgages
1. Residential Mortgages
Lenders base these loans on your earned income (salary or self-employed profits). We help you present your income correctly to maximize what you can borrow. Note: You generally cannot rent out your home on a residential mortgage without special permission.
2. Buy to Let
2. Buy to Let
Investing in property. These mortgages are designed for landlords. The loan amount is usually based on the rental income the property generates rather than your personal salary. Criteria can be strict—some lenders require you to be an existing homeowner or have a minimum personal income.
3. Offset Mortgages
3. Offset Mortgages
Making your savings work harder. An Offset Mortgage links your savings account to your mortgage. You don't earn interest on your savings, but instead, you pay less interest on your mortgage.
Example: If you have a £200k mortgage and £50k in savings, you only pay interest on £150k. This is highly tax-efficient and can help you pay off your mortgage years earlier.
"Borrow money from pessimists-they don't expect it back."
- Steven Wright
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances.
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