First Time Buyer

First-time buyer mortgages are specifically designed for people who are new to the housing market. Some companies may use incentives such as cashback schemes, to entice you to get a mortgage with them. They may also offer 95% or 100% mortgages, which only require a 5% deposit or none at all.

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But To Let

Buy-to-let mortgages aredesigned to help you buy a property that you intend to rent out to other people, rather than to live in. The amount you can borrow usually depends on the rental income you expect to earn from tenants, although we might consider other income in some circumstances.

Remortgaging

Remortgaging is when you move your mortgage on your existing property, from one lender to another. Your new mortgage will then replace your old one.

You may want to remortgage if you’re:

• coming to the end of your existing mortgage rate
• looking for a better deal than your current lender can offer
• planning to borrow more money against your property

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