Types Of Mortgages and Easy to understand Mortgages Process - AWS Financial Service

1. Types Of Mortgages and Easy to understand Mortgages Process AWS Financial Services https://www.awsmortgages.co.uk/

2. Mortgages Whether you’re a first-time buyer, second-stepper moving into a bigger family home or experienced investor, AWS Financial Services sources you the right mortgage and protection. We are whole-of-market, enjoying strong relationships with high-street lenders, specialist providers and private banks.

3. AWS Financial Services prioritise our clients first, Whether you’re looking to buy your first home or finance a £1m+ project. Residential Mortgages Investment Mortgages Types Of Mortgages

4. Contractor Mortgages An increasing number of people are going self-employed, setting up their own businesses and working for a variety of employers on short or longer-term contracts. While this may give you more flexibility, it can make it trickier to get a mortgage, particularly if your business has only been established a relatively short while. At AWS Financial Services, we know which lenders are best suited to contractors, finding you the right deal for your circumstances at a competitive rate.

5. Professional Mortgages The good news, if you are a professional looking for a mortgage, is that lenders are keen to get your business. If you are just starting out in your career, you may be earning a relatively modest income now but will be expected to earn more in the future. Lenders may therefore offer you preferential terms, including better rates and higher loan-to-values. They may also accept more complex income streams which are often part-and-parcel of some professions. At AWS Financial Services, we understand the issues facing professionals looking for a mortgage and are here to help, guiding you through the process from start to finish, selecting the right finance for your circumstances.

6. Self-Employed Mortgages As more people set up their own businesses and work for themselves, getting a mortgage becomes slightly trickier. If you have a well-established business, with evidence of strong earnings over a number of years, then getting a mortgage should be no different than it would be if you were employed. But if you are relatively new to self-employment, or your income fluctuates significantly from year to year, then getting the mortgage you need might not be quite as straightforward. This is where AWS Financial Services can help. Our experienced advisers know which lenders best understand the way the self-employed receive income, whether that be via dividends, retained profit in a business, or an offshore trust.

7. Remortgages When you come to the end of the fixed or discounted period on your mortgage, it makes sense to switch to another deal, rather than moving onto your lender’s much more expensive standard variable rate (SVR). But while you might think your existing lender will offer you the best deal, loyalty doesn’t always pay. It is worth comparing what else is out there to get the best deal for your circumstances but this can be time-consuming. This is where AWS Financial Services comes in. We look at all the deals on the market to find the right one for your particular circumstances, whether you require a fixed rate or a base-rate tracker.

8. International Mortgages Buying a home overseas – whether to enjoy holidays or to retire to eventually – is a dream for many but finding the right mortgage is not always straightforward. Should you use a UK-based lender or go via a local bank in the country in which you are buying? It can be difficult enough arranging a mortgage; if you don’t speak the local language, this can be fraught with difficulty. This is where AWS Financial Services can help. We have plenty of experience in arranging finance for buying property overseas and can liaise with local lenders or those based in the UK to find the right mortgage for your circumstances.

9. Private Bank Mortgages If you require a large mortgage – say £1m-plus – you may be able to get it from a high-street lender but the majority have a cut-off point around £2m. For larger-value mortgages, the private banks usually provide the answer. They have more sophisticated underwriting, often tailoring the product and rate to fit the individual. They usually want to establish a relationship with the borrower, whereby you transfer assets under management (AUM) to them, although not all private banks insist upon this. At AWS Financial Services, we have plenty of experience in arranging high-value mortgages with the private banks. We can advise on the right private bank to approach for your particular circumstances and the best way to structure your application.

10. Some of the mortgages and loans promoted on this site are unregulated products and the protection afforded to regulated products do not apply. A W S Financial Services is a trading style of Mortgage Force (UK) Ltd which who are directly authorised and regulated by the Financial Conduct Authority. Their FCA number is: 843041. Mortgage Force (UK) Ltd is registered in England and Wales: 09394027