Mortgage Advice Winchester
Mortgage Advisers - Winchester
Lender Relationship Director
After studying technical subjects at Southampton University and the Open University, Cliff decided to work in an industry where he can help make a significant difference to people’s lives. The positive experience of financing his first home through a mortgage adviser is what attracted Cliff to the industry.
Having worked for Chris in the past, Cliff joined The Mortgage Hut team in 2013 bringing with him an extensive range of knowledge and experience in the financial sector. Cliff deals with both residential and buy-to-let mortgages, and associated protection policies. His business and finance expertise allow him to provide exceptional financial advice to his clients. Outside of work Cliff is a qualified Taekwondo instructor and also enjoys cycling and photography.
Mortgages for First Time Buyers in Winchester
First time buyer mortgage - the best deals
Our aim is to find the right first time buyer mortgage products and rates that best suit your requirements. Our service can find you the very best mortgages from the awide range of lenders.
Which type of mortgage is best for first time buyer?
Many First Time Buyers need a high loan-to-value (LTV) mortgage. These are mortgage products designed for first time buyers who may have a low deposit amount. We can help you understand the differences between various offers, and ensure you secure a mortgage that fits your situation for both now and in the future.
Examples of the main mortgage types available include:
- Fixed – pay a set rate of interest for a pre-determined term or period
- Tracker – your rate of interest tracks the Bank of England base rate and can increase or fall
- Marked down – offers a price reduction on the lender’s basic variable interest rate
- Capped – your interest rate will not increase above an agreed level for a set time period
- Bank account – combine a bank account with a mortgage, enabling you to make overpayments
- Offset – your various other loans with the same lender to acheive savings and offers
Help to Buy Mortgage Scheme (Winchester)
For those eligible, the Help to Buy scheme can help you make that move with just a 5% deposit along with an equity loan or mortgage guarantee from the government and a normal mortgage. Contact The Mortgage Hut in Winchester for mortgage help and advice, including details on this excellent Government backed scheme.
Details of this excellent Government backed scheme can be found on the Help to Buy (South) website.
How to Remortgage Your Home in Winchester
Nearing the end of your current mortgage deal?The Mortgage Hut in Winchester can search through thousands of mortgages to find something to best suit your needs - it’s possible you could save money on your repayments by switching.
Many homeowners in Winchester have benefitted from property growth in the area and may have found their home has risen significantly in value since it was purchased. If you’re interested in releasing equity from your Winchester home, perhaps to make improvements, settle debts or purchase additional property, The Mortgage Hut can look into your options, so please get in touch.
- INTEREST RATES AT A RECORD LOW - a great time to remortgage!
- ON A HIGH INTEREST RATE MORTGAGE - approx 70% of consumers have a standard variable rate…
- OUR CLIENTS CAN MAKE SAVINGS - on average save ~£285/month by reviewing mortgage.
- MORTGAGE ADVICE - we access a wide range of lenders & have 11,000 product options!
- CONTACT US FOR A QUICK MORTGAGE REVIEW - just 15 minutes to get things going!
Find a Better Mortgage Rate - Winchester
The Mortgage Hut in Winchester offers mortgage advice, so if you are thinking about remortgaging, get in touch.
Money for Home Improvements in Winchester
Talk to The Mortgage Hut, mortgage advisers in Winchester and we’ll help you find the most suitable remortgage options to best suit your needs.
Buy to Let (BTL) Mortgages in Winchester
Winchester is a sought after place in which to live, especially with families, so rental properties are always in demand and could get you a good return. As home to The University of Southampton’s Winchester School of Art, properties suitable for students such as small studio flats or houses suitable for sharers are also a investment opportunity in this area, especially if walking distance from the campus.
[Photo by Rosemary Oakeshott, CC BY-SA 2.0, https://commons.wikimedia.org/w/index.php?curid=13199325]
Whether you’re planning to buy your first buy to let property in Winchester or broaden an existing portfolio, The Mortgage Hut are here to help you to secure the right buy to let mortgage for your circumstances and to help you achieve competitive returns on your financial investment.
Buying Property in Winchester
[Photo y WyrdLight.com, CC BY 3.0, https://commons.wikimedia.org/w/index.php?curid=12599680]
There are a range of flats, maisonettes, terraces, semi detached and detached properties in the city and the surrounding area including beautiful period buildings as well as more modern houses and a selection of new build developments. Winchester has seen huge property growth in the past 10 years with prices increasing by 7% from the previous years and a huge 17% on 2013.
The overall average house price in Winchester 2015 was £468,705, with a flat averaging at £304,144 and a detached houses selling for £715,434 on average. (Source: rightmove http://www.rightmove.co.uk/house-prices/Winchester.html).
First Time House Buyer?
Looking for the most suitable deal on your first time buyer mortgage -contact us.