Mortgages

As a first time buyer, hunting for a mortgage can be daunting – but we are here to help you. We’ve already checked out the first time buyer mortgage market, finding the best introductory offers, the lowest interest deals and the most flexible options – all from reputable lenders. The amount you can borrow will depend on the size of your deposit, your disposable income and your credit score.

 More and more UK homeowners are re-mortgaging to save money on their monthly repayments or to raise extra capital to carry out home improvements – so why not spend 5 minutes chatting to us to see if you could save? A re-mortgage – simply switching lender or finding a better deal with your existing lender – could significantly cut your monthly outgoings.

Moving home is a great time to see what other mortgage lenders can offer you. As one of the East Midlands leading independent mortgage brokers, we can help you to find the right mortgage at the best rates. Even if you can’t sell your property and still need to buy, we may be able to find a solution to help you get out of the chain you are trapped in.

 Buy to let mortgages are very popular with the UK market expanding dramatically over the last 5 years. However the recent troubles in the market have severely affected the number of products available. If you’re thinking about buy to let mortgages, whether it’s your first investment or you’re a seasoned private landlord, use our free search facility and you’ll find the best option in minutes.

A mortgage is a loan secured against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Commercial mortgages are not regulated by the Financial Conduct Authority. Most forms of buy to let mortgages are not regulated by the Financial Conduct Authority.

Equity release is a way of raising money against the value of your home. Older homeowners may be able to release part of the value of their home as income or a lump sum. For some people this can be a useful way of freeing up extra money but there may be drawbacks. Any money released may affect your eligibility for means tested benefits for example.

As Equity release is such a complex subject it is vital to take independent financial advice before signing up to a scheme of this kind. That’s why at APR Money we do not provide individual recommendations in this area and use the services of a specialist equity release firm whom we consider are best placed to provide you with the most appropriate advice for your circumstances.

Many business owners find it frustrating with constant rent increases and landlords who don’t deal with issues surrounding the building. This is why it is becoming increasingly attractive for business owners to buy their own premises so that instead of paying rent, the business is paying a mortgage that is helping to buy a valuable asset for the business and will give the business owner greater flexibility if they want to borrow to expand in the future. We have excellent contacts within the commercial sector – even in the current difficult economic climate, if you can demonstrate serviceability and raise a suitable deposit, the option of buying your own premises is easier than you may think.

We are also Credit Brokers. This means that if you require a loan other than a mortgage (e.g. a personal loan) we can refer you to a specialist third party who can discuss your specific needs with you. We will not advise you on this type of borrowing and you will need to make up your own mind whether to go ahead with it or not.