Your mortgage is probably the largest financial transaction and commitment you are likely to undertake.
Choosing the right type of mortgage for your needs can be very confusing. We can assist you to look behind the headline grabbing rate and see that when adding fees, conditional insurances and variety of other charges the best rate may not necessarily be the one you would have first chosen
We at Berkeley Consultants aim to identify the most appropriate complete solution to meeting your individual circumstances.
Whether you are looking to purchase your first home, moving house, trying to secure are better rate of interest or looking to lease equity from your property we have the experts that can help you to find the most suitable deal for your situation.
We are not tied to any lenders or insurer and therefore can offer you products from the entire market place without any bias. We also regularly review the mortgage market – in line with market conditions to enable appropriate advice and information to be given.
We can also help decide which type of rate is best for you, be that a fixed rate, base rate tracker or discounted rate and explain all the differences. Additionally we will discuss the options available to for repaying the mortgage and help you ensure that your borrowing levels are both suitable and affordable to you.
Remortgaging
Over the last few years remortgaging has become a far simpler process and something many people regularly do to ensure there mortgage rate remain competitive. More and more lenders are offering specialist remortgaging services - often with free legal and arrangement fees, making the whole process far cheaper and speedier.
As well as using this as a process to reduce your monthly payments, you can also use remortgaging to release the equity that's built-up in your property over time. If you have owned your property for several years, it could be worth more than your outstanding debt therefore taking out a larger mortgage could release some extra cash. This could be spent on home improvements, a new car or a luxury holiday if you like.
When you re-mortgage, you are essentially replacing your existing mortgage with a new one, shifting your debt from one lender to another. There are thousands of mortgages available across the market and Berkeley Consultants will take into account what different lenders are offering at present and find the best deal for your new circumstances.
Buy to Let
These mortgages are basically ‘investment mortgages’ taken out on properties with are to be rented out and are generally offered based on the rental income to be generated through the property.
More and more people are now looking at property as a long term investments and consequently there are a large number lenders with special products purely for these types of loans.
Again we can help you find the most suitable product for your needs and will help you to assess the rates available given the deposit or equity you have together with the anticipated rental yield.
Commercial Loans
If your business is considering constructing a new building, moving to new premises, expanding facilities or modifying your existing accommodation, then there are a wide range of Commercial Mortgages available to you.
We can take all the leg work out of finding the most suitable lender and obtaining the most appropriate features and benefits for your individual needs.
Commercial loans are generally tailored to match the differing business requirements and risks involved.
Bridging Finance
Bridging finance can be arranged for both residential and commercial purposes and is a short term loan secured against property. Generally arranged for a term of 1-12 months bridging can be used to fund the gap between a purchase and a sale, property development, land purchase etc.
Secured Loans
We can help you assess when a secured loan is a better options for you than remortgaging. Once this has been established we can help you to find the most suitable and competitive arrangement for you.
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