Mortgages
We understand that securing the right mortgage is more than just a financial transaction – it’s a significant milestone on your journey towards homeownership. We are here to guide you through every step of the process.
Find a mortgage that’s right for you
Our range of mortgages covers different borrowing needs.
First Time Buyer
Mortgage Types:Â Fixed-rate, Tracker, Help to Buy.
Requirements:Â Income check, 5-10% deposit, good credit.
Costs:Â Deposit, fees, stamp duty.
Government Help:Â Help to Buy, First Homes, Right to Buy.
Repayment Options:Â Repayment or Interest-Only.
Post-Purchase:Â Budget, consider remortgaging.
Limited Company
Mortgage Types: Fixed-rate, Tracker, Specialist Limited Company Mortgages.
Requirements: Strong credit history for the company, typically require a larger deposit.
Costs: Deposit, arrangement fees, valuation fees, potential stamp duty.
Post-Purchase: Company financial management, comply with legal and tax obligations, seek professional advice.
Buy to Let
Mortgage Types: Fixed-rate, Tracker, Specialist Buy-to-Let
Eligibility: Income assessment, equity from previous property sale.
Costs: Deposit, arrangement fees, valuation fees, potential stamp duty.
Government Help: None specific to movers, but may apply if downsizing or buying a more energy-efficient home.
Post-Purchase: Property management, budget for maintenance, keep informed about rental market.
Portfolio Landlord
Mortgage Types: Specialised products for portfolio landlords, including fixed-rate and tracker options.
Requirements: Detailed assessment of the entire portfolio’s financial health, including rental income from all properties
Costs: Deposit, arrangement fees, valuation fees, potential stamp duty.
Post-Purchase: Ongoing management of the portfolio, monitoring rental income, and market trends, complying with regulatory changes.
Moving Home
Mortgage Types: Fixed-rate, Tracker, Buy-to-Let
Eligibility: Income assessment, equity from previous property sale.
Costs: Deposit, fees (arrangement, valuation), stamp duty.
Government Help: None specific to movers, but may apply if downsizing or buying a more energy-efficient home.
Repayment Options: Repayment or Interest-Only.
Post-Purchase: Budget, consider remortgaging.
Our Mortgage Advisers
Ben Grundy
Mortgage and Protection Adviser
   
Kayley Brant
Mortgage and Protection Adviser
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Why should you get a mortgage with us?
Our advisors provide personalised solutions tailored to your specific needs, ensuring transparency and clear communication every step of the way. With a comprehensive range of mortgage options and a commitment to building long-term partnerships based on trust and integrity, we’re here to support you in achieving your home-ownership goals. Choose Willday Wealth Management for expert guidance and exceptional service as you embark on this important financial milestone.
 100% Transparency
 Personalised Service
 Trust and Integrity
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