Professional and friendly Mortgage and Protection advice across Canterbury, Herne Bay and Whitstable. Family run business dedicated to finding you the best mortgage available.
Professional and friendly Mortgage and Protection advice across Canterbury, Herne Bay and Whitstable. Family run business dedicated to finding you the best mortgage available.
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Common questions
Your questions answered
Here are a few of the most frequently asked questions & the answers to them. For more information, feel free to contact us.
How much can I borrow for a mortgage?
The amount you can borrow depends on various factors such as your income, credit history, and the lender’s criteria. A mortgage advisor can assess your situation and provide an estimate.
What is the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage has a consistent interest rate throughout the loan term, providing stability in monthly payments. An adjustable-rate mortgage has an interest rate that can change periodically, potentially affecting your payments.
What documents do I need to apply for a mortgage?
Typically, you will need identification, proof of income, bank statements, and information about the property you intend to purchase. Your mortgage advisor will provide a detailed list based on your circumstances.
Can I get a mortgage with a low credit score?
While a low credit score can make it challenging to secure a mortgage, there are lenders who specialise in helping individuals with less-than-perfect credit. Your mortgage advisor can guide you through available options.