Residential Mortgages
 Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Residential Purchase
We can arrange a mortgage to enable you to purchase your new home.  If you are employed, self-employed, a contract worker or a company director, we have schemes to suit your situation. Contact us to discuss your situation.
Residential Remortgages
We can arrange a remortgage for your current home. We can simply find you a better rate or we can raise funds for you to improve your property or for any other legal purpose.
If you are currently on an interest only mortgage, we can find a competitive deal for you to switch to or find a deal to move you onto a repayment mortgage.
Second Charge Mortgages
If you are having difficulty borrowing extra funds secured against your property or you have a great fixed rate that you don't want to lose but need extra funding, we can arrange a second charge mortgage for you, with the lowest rates on the market. These funds could be for home improvements, to use as a deposit to buy another property or for any other legal purpose.
Shared Ownership
We can assist you to purchase or remortgage your shared ownership property. With Shared Ownership you buy part of the property & rent the rest of the property. If you already have a Shared Ownership property, we can help you to buy a larger share of the property or buy all of the property.

Armed Forces Help to Buy

We have a special deal for all armed forces personel: Call for details.


What is the scheme?

Regular armed forces personnel can benefit from a £200-million scheme to help them get on the property ladder. The Forces Help to Buy scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their families needs change.


Who can use the scheme?

All regular personnel who have completed the pre-requisite length of service have more than 6 months left to serve at the time they apply meet the right medical categories.


This scheme allows service personnel to borrow up to 50% of their annual salary, to a maximum of £25,000. This can be used towards a deposit and other costs such as solicitor’s and estate agent’s fees.


How to get it?

Servicemen and servicewomen can apply for the loan online through the Joint Personnel Administration system and can seek advice on their application through their Chain of Command and personnel agency.
Right to Buy
Once you have lived in a local authority home for as little as two years, you may have the 'Right to Buy' it & also be granted a discount off of the purchase price.
We can assist you to get a 'Right to Buy' mortgage.
Self Build
We can arrange funding for you to build your very own 'Grand Design'.
Most of the funding for the land & the building costs can be borrowed. Sometimes the funds can be released 'in advance', to help with cash flow.
Equity Release
We can assist with raising funds for you to use yourself or to help family. If you are over 55 & need to look at raising funds, contact us.
Legal Services
If you are buying a property & need assistance with the legal conveyancing, we can get a quote & recommend a legal firm to you.
Stamp Duty
When you purchase a property, you may be liable to pay 'Stamp Duty'. You need to remember this when you think about purchasing. We can help you to get advice on how much you'll need to pay.
If you are purchasing a second or subsequent property, you'll normally have to pay a higher rate of 'Stamp Duty'.