Mortgage Services
First Time Buyers
Buying your first home can be daunting and will help you choose the right mortgage lender to ensure that you successfully climb up the property ladder. We are the specialists, and we will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Moving Home
Buying and selling a property can be a very stressful time, so let us make the process of purchasing your new home that bit easier by finding a new mortgage rate that is right for you.
Remortgages
If your current mortgage deal is about to end, then you are not obliged to stay with your current lender – it is worth looking at different options as they may not be offering you the most competitive deal. Whatever your circumstances, let us talk you through the various options which could be available to you.
Debt Consolidation
Consolidating your debts is an effective way to lowering the amount of payments you need to make on a monthly basis by remortgaging your house. The mortgage that you get on your home can then be used to pay off debts and often, you might find a lower interest rate on mortgages in comparison to credit card debts and other personal loans. Contact us to find out more about debt consolidation.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Self-Employed - Contractor
Being self employed can sometimes make a mortgage a little more difficult to obtain. Often working for yourself means fluctuating pay with no 100% certainty you will earn the same as the month before. Lenders know this and want to see proof that there is stability with income over a certain period of time. We will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Buy-to-Let Mortgages
Buy to Let mortgages allow you to invest in property with the intention of letting it out and building a property portfolio that helps you earn extra income. This is an excellent secondary source of income for many people in the UK, especially if you plan to save your incomings for a stable retirement. It should not be seen as an easy way to make money, and should be viewed as a long term venture. Contact us to find the best mortgages for buy to let properties!
Adverse Credit
People with a less-than-perfect credit history will often have a hard time securing mortgages for their homes. Let us look at the options for you and provide you with information on those that specially cater to securing loans for people with impaired credit history.
Right to Buy Mortgages
We have a wealth of experience when it comes to arranging right to buy national mortgages. Right to Buy is a government scheme that lets you buy your home at a substantial discount if you’re a council tenant. Discover your eligibility for the scheme by discussing the options with us.
This is just a selection of the Mortgage solutions that LKJ Mortgages Ltd can provide, based on the Wirral and serving a client base across the UK. Please get in touch if you would like to discuss your options.