Choosing the right mortgage is like solving a complicated puzzle.

Whether you are a first time buyer, moving house or re-mortgaging we can give you the assurance that using Hyde Park will ensure the right solution for you every time.

First Time Buyers

Being a first time buyer can be especially daunting. There are many choices to make and you need to have your wits about you. Often when looking for a property an estate agent will ask you if you have a first time buyer mortgage in place before they will even show you around properties. This is so they know that you can afford the properties you are looking at. We can obtain a Decision in Principle for you. This is a certificate you can present to an estate agent to prove you have the ability to attain the mortgage. This is not a guarantee of a mortgage loan as the mortgage is subject to a satisfactory valuation of the property. However, it will help when negotiating the purchase of a property, as you can prove you are in a good position and ready to buy the property.

Getting independent, impartial advice about mortgages is very important especially when you’re buying for the first time.

Re-Mortgage

Lots of people wait too long before looking to find out if a new remortgage deal can help them save money. Some remortgage deals have a discounted period but when this period runs out it can be expensive to continue with. If this is you, then now is the time to find out what the best remortgage deal available is. Our Independent Financial Advisers will help you find the right remortgage product to meet your exact circumstances. Whether you need a remortgage to release capital from your property or to consolidate your debts, maybe you simply want to find a cheaper interest rate, we can help.

Our Independent Financial Advisers can advise you on

• Low rate APR’s
• Fixed and variable rate APR’s
• Capped, Discounted and Trackers
• Interest only or repayment remortgages
• Adverse credit remortgages

Spend a couple of minutes completing our contact form and one of our Independent Financial Advisers will be in contact with you very soon. It is a quick and easy process towards possible savings.

Buy to Let

Buy to Let mortgages have become increasingly popular in the UK in the last 10 years, and have proved to be great long term investments for many people. Finding the right Buy to Let mortgage could be help you to make a profit on your rental income. A Buy to Let mortgage adviser will help you find the right buy to let mortgage or remortgage that will suite your buy to let portfolio.

Our buy to let Independent Financial Advisers will offer advice on:

• High loan to value buy to lets
• Buy to let remortgages
• Flexible payment terms
• Low APR rates
• Fixed and variable rate APR's

Adverse Credit Mortgages

An adverse credit mortgage is where you are currently looking to get a mortgage for a property but for some reason the lender feels that your credit score is not good enough to obtain a standard mortgage. This could be for a number of reasons for example if you have missed a loan or credit card payment in the past 12 months. You have a county court judgment or a default on your credit report. Don't worry if you think you need an adverse credit mortgage as there are now many adverse credit mortgage deals available. The number of adverse credit mortgage lenders has increased massively over the past couple of years. If you have any doubts about your credit rating, you can obtain your credit report for a minimal cost from any of the major credit referencing agencies. You will find that there are several categories where adverse credit is concerned, ranging from light adverse through to those with severe credit difficulties. One of our Independent Financial Advisers will help you decide which category is right for you and which lender is the best choice for you.

100% Mortgages

A 100% mortgage is one where the amount of money you are looking to borrow is the same as the amount that you are paying for the house you wish to purchase. This typically means you want to purchase a property but you have not saved for a deposit. There are important considerations when think about getting a 100% mortgage quote. There are often fees involved with getting a mortgage that you may not be able to add to the 100% mortgage. For example you may be subject to a Higher Lending Charge which is added by some 100% mortgage lenders.