Mortgage Advice

For Sale sign mortgages

At Premier Mortgage Associates, we work from a comprehensive panel which is representative of the whole UK market. 

 

This allows us to access 80+ lenders, resulting in you getting the best possible deal. 

 

Whether you are stepping on to the property ladder for the first time, moving home or coming to the end of your term, get in touch today to see how we can help.

 

We can help First Time Buyers, Home Movers, Further Advances, Remortgages, Buy to Let Investors - in personal names and that of a Limited Company and Holiday Let Investors (specialist lending).

 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
 

First time buyers moving into their new home

First Time Buyers

Buying your first home is exciting, it can also be overwhelming, we're here to guide you every step of the way.

 

Its great advice for first-time buyers to start the process by reaching out to a mortgage broker before you start looking for your ideal home. That way you know exactly what your budget is and have an idea what to expect of the overall process - we won't use jargon and make sure you feel confident to take the next step.

 

A mortgage broker helps first-time buyers navigate the complex process of securing a mortgage. We give personalised guidance, assess financial situations, offer mortgage options, negotiate terms with lenders, and assist with paperwork, ultimately ensuring buyers find the best mortgage for their needs and budget.

 

Overall, seeking guidance from a reputable mortgage expert in Hampshire & Dorset is a vital first step for anyone looking to purchase their first home.

 

Man on a calculator working out finances

Remortgages

Remortgaging is the process of switching from your existing mortgage to a new one, typically with a different lender or a new deal with your current lender. This can be done for various reasons, including securing a better interest rate, releasing equity, or changing the terms of your mortgage to better suit your needs.

 

By securing a new mortgage with a lower interest rate, you can reduce your monthly payments and potentially save thousands of pounds over the life of your mortgage.

 

If your property has increased in value since you purchased it, re-mortgaging can allow you to release some of that equity as cash, which you can use for home improvements, debt consolidation, or other expenses.

 

It's a good idea to reach out to us at least 6 months before your existing deal is due to end. Our existing clients will know that we automatically do this for you so no need to diarise it, we'll contact you.

 

We understand that every homeowner's situation is unique. That's why we offer personalised advice and expert guidance to help you navigate the remortgaging process with confidence. Our team of experienced advisors will work closely with you to understand your goals and find the best remortgage solution tailored to your needs.

 

Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, but you may end up paying more overall. 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
 

Buy To Let

Buy-to-Let - Holiday Lets Ringwood & Poole

Buying a property “to let” can be a potential minefield in today’s current climate. The market is ever changing and Holiday Lets are often popular in tourist areas, we can assist will all of your Buy to Let needs.

You should be mindful that there are several tax issues that you need to understand when purchasing a property to let, and you should seek independent tax advice before proceeding.

 

We pride ourselves on our knowledge with specialist lending and have many portfolio landlords that trust us with all of their properties. Whether it's your first purchase or your 10th we're here to help.

 

If you would like an informal chat about your buy to let property finance, then please get in touch.

 

Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority. 

 

 

Homemover mortgages Ringwood, Poole, Hampshire & Dorset

Homemover Mortgages

Discover the perfect mortgage solution for your next move

We understand that moving home can be an exciting yet daunting process. That's why our expert team is here to guide you every step of the way with our tailored home mover mortgages.

 

Whether you're upsizing, downsizing, or simply relocating, we specialise in finding the right mortgage solution to suit your needs. With access to a wide range of lenders and products, we'll help you secure competitive rates and favourable terms, ensuring a smooth and hassle-free transition to your new home.

 

From initial consultation to finalising your mortgage agreement, our experienced advisors provide personalised support, answering your questions and addressing your concerns along the journey. With our expertise and dedication, you can trust us to make your homemover experience as seamless and stress-free as possible.

 

Make your next move with confidence—explore our homemover mortgage options today.

Mortgages for Over 50's

Mortgages for over 50's near me

Can I still get a mortgage if I'm aged over 50? 

 

This is a question we get asked a lot.

 

People believe their options are limited, but there is still plenty of options available when it comes to mortgages over the age of 50.

 

We are experts in later life mortgages, so take a look at the link below, to find out more on how we can help you.

 

 

Adverse Credit

Bad Adverse credit mortgages

Getting a mortgage with bad credit may feel out of reach. 

 

Bad credit can range from one missed payment on a credit card, to a default, to County court judgements (CCJ)

 

We have access to some of the best adverse lenders in the market. Each lender has in-depth lending criteria aimed towards helping clients with bad credit, get a mortgage.

 

Take a look below, for more information on how we can help you get on track and secure your mortgage.

 

Self-Employed Mortgages

Self Employed mortgages, Poole, Ringwood Dorset & Hampshire

If you are self-employed, a freelancer or a contractor you can still successfully get a mortgage if you can meet the lenders criteria. 

 

There’s no actual product called a ‘self-employed mortgage’ and so you will have the same mortgage choices as someone who is employed with similar circumstances to your own. 

 

The difference is the way that the lender looks at your income and you will have to provide more evidence about your self-employed status.

 

With the right broker helping you, it’s absolutely possible to get a self employed mortgage, even if you have limited accounts.

 

Mortgage Capacity Report

Mortgage Capacity report for divorce settlement

A mortgage capacity report is often needed during, particularly when it comes to the division of property and the determination of financial capabilities.

A mortgage capacity report is a crucial tool in the financial assessment during a divorce, helping to ensure fair and informed decisions are made regarding property and financial arrangements. It is likely your Family Lawyer or Mediator will request one of these from you.

 

We have the qualifications and experience to ensure this report meets the standards required. Please get in touch for a personalised quotation based on your circumstances.

Mortgage Capacity Reports do not constitute regulated advice and therefore may not be covered by the Financial Ombudsman Service. PRIMIS Mortgage Network are not responsible for this service.

Canary wharf - worlds biggest lenders

The Lenders we work with

At Premier Mortgage Associates, we work from a comprehensive panel which is representative of the whole UK market. This allows us to access 70+ lenders, resulting in you getting the best possible deal.

 

 

 

 

 

 

Contact us today to speak to one of our experts

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Privacy Policy

Regulatory Information

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Premier Mortgage Associates usually charges a fee for mortgage advice, typically £395, however, the amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity.

The advice fee is payable upon the application stage of your journey and is non-refundable.

Premier Mortgage Associates Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority Place of Registration: England & Wales. Registered office: 14, Penny Court, Ringwood, Hampshire BH24 1JH. Registration number: 15146348.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Premier Mortgage Associates Limited | Mortgage experts, proudly serving Hampshire & Dorset

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