Mortgages
DMC Financial Services
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
What are Lenders Looking For
‘What can I afford to buy?’ is the question we are most commonly asked by first-time buyers – usually people aged between 20 and 40, who are currently renting or still living at home – and wanting to get onto the property ladder.
When they approach us, it’s usually because they’re not only concerned about the amount of money that they are wasting in rent, but are also drowning in a sea of information overload and really at the point where they don’t know where to start!
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Take saving for a deposit, for example. Many of you may have been scrimping and saving for ages to get your deposit together, but does that make you a suitable candidate for a mortgage? Does simply having a deposit make you attractive to a lender?
How can we Help?
At DMC Financial Services, we know that buying your first house is a ‘gently does it’ process, where we take you through the buying process in stages, making sure that we are on hand at all times to help you with the major choices that you have to make. Whatever your employment status, there’s a mortgage product to suit your needs and we can find the perfect solution for you.
If you would like us to help you contact us today for a free initial appointment. In just a few minutes, we can go through your details over the phone and give you an indication of the mortgage options that are available to you.
Mortgages
Whether you are buying your first home, relocating your family to begin a new chapter or remortgaging to release funds, securing the ideal mortgage product can transform your financial life.
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At DMC our mortgage advisers take the time to fully understand your needs before reviewing the mortgage market and making a product recommendation.
Did you know we have 20 years experience in the mortgage market. This means that we are experts in what we do. We offer a full range of mortgage products from First-time buyers, self build mortgages, buy to let mortgages etc
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Bespoke residential mortgages that are the perfect fit for your personal and financial circumstances, today and in the future.
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Our clients range from those whose circumstances may have changed recently due to becoming self-employed through to those seeking a mortgage to undertake their own self-build project. We understand that no two mortgage applications are the same. That’s why we’re here to help.
Existing Clients
Are you an existing client. Get more expert property finance advice on your existing mortgage from our mortgage advisers at any time.
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At DMC Financial Services, our experienced mortgage advisers boast an unparalleled dedication to providing exceptional customer service. We’re committed to offering continued mortgage advice and support for our existing clients as well as our new clients.
Whether your financial circumstances have recently changed, your existing mortgage deal is nearing expiry or you’re thinking of buying a second property as a long-term investment, let us help you put your best foot forward.
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Paying your mortgage is one of life’s biggest financial commitments. It’s therefore important to have all the information you need when it comes to mortgage repayments.
You might be wondering if it’s possible to overpay your current monthly repayment figure, or you might be struggling to meet the minimum monthly repayments. Either way can talk through your queries and find a way to help
First Time Buyers
Are you looking to buy your very first home?
DMC Financial Services friendly and experienced mortgage advisers can search the mortgage market for mainstream and specialist first-time buyer mortgage products that offer the most appropriate fit for your financial circumstances.
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We just don’t just help experienced homeowners with their residential mortgage needs. We also offer our specialist advice and expertise to first-time buyers looking to get on the first rung of the UK’s property ladder.
First time buyers have to overcome several hurdles to become homeowners. Today, it’s just as difficult to get accepted by a lender as it is to find the most appropriate mortgage product at competitive rates. That’s where we come in. Many first-time buyers suffer from information overload.
There’s so much to take in; whether it’s understanding the concept of loan-to-value (LTV), mortgage product fees or the types of mortgages available.
Our mortgage advisers take the time to sit down and listen to your unique requirements based on your income and deposit. This enables us to secure a mortgage product that befits your situation.
Buy to Let
The UK’s buy to let mortgage market is constantly evolving due to amendments to UK tax legislation and the regulatory landscape. Our buy to let mortgage advisers explore all possible avenues to enable our clients to finance or refinance buy to let properties.
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Buy to let mortgage lenders have tightened their criteria considerably in recent years, with their rental affordability calculations becoming more stringent than ever before. Consequently, existing and prospective buy to let landlords are seeking innovative and alternative ways to expand or begin their property portfolio.
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At DMC Financial Services we take the time to fully understand your complete financial situation, before recommending an appropriate finance solution. This could involve using personal income to cover any shortfall in the rental income requirement or alternatively, purchasing within a Limited Company structure. Ultimately, as a valued client, we can help to unlock new and efficient buy to let mortgage opportunities.
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Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority