T: 01275 891 997
Mortgages
Insurances
Mortgage Calculator

Mortgages

Here at Muscat Mortgages we offer a wide varirtyy of mortgage advice for clients within Bristol and the surroundign area including bath. As an indepdnetn mortgage broker please see below examples of the mortgage advcie we can offer:

First Time Buyer:

If you're thinking about buying your first home you're probably finding the whole process of choosing the right mortgage and actually buying your ideal home rather daunting. So what do you need to know to get on to the first rung of the property ladder?

The first step is to contact us and we will advise you on the mortgage options available to you.

How much can you borrow?

As a rough guide, a typical amount is four times your income. This figure could be higher or lower depending upon your individual circumstances and different lenders' criteria. Some lenders do not use income multiples at all and will lend based on affordability.

For more information, get in touch today!

Re-mortgage:

We will work with you to check the terms and conditions of your existing mortgage. These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. You can then decide if it is worth switching to a different rate or stay put until the penalties have expired.

The whole process should take about between 6 & 8 weeks to complete. Once you have received a completion statement from your solicitor or new lender, the process has finished and your new mortgage is in place. For more information, get in touch today!

Buy-to-let:

As we have access to thousands of mortgages,the ability to negotiate exclusive deals with a huge range of lenders, we can offer a wide range of buy-to-let mortgages with some special features:

From as little as 20% deposit required
First time buyers buy-to-let products available
No minimum personal income required
Buy-to-let remortgage packages, including free fee's
Generous rental calculations available as low as 100% of the monthly mortgage payment
Much more...

Whatever your mortgage requirements, we're certain we can find the mortgage for you. For more information, get in touch today!

Help To Buy:

In 2013, the Government launched Help to Buy, this is a scheme aimed at increasing access to low deposit mortgages. There are 2 schemes avaliable requiring only a 5% deposit.

Help to Buy Mortgage Guarantee Scheme

This scheme helps you buy a new build property or an existing property and is open to both first time buyers and home movers in the UK.

Help to Buy Equity Loan Scheme

This scheme helps you buy a new build property and is open to both first time buyers and home movers in the UK. You will require a deposit of at least 5%, the government then loans you up to 20% (interest free for the first 5 years) of the cost of the new build home.

For more information, get in touch today!

Home Mover Mortgage:

If you're moving house and are looking for a mortgage it is important you get good, solid advice. As an existing home owner you'll understand how small differences in rate can have a major impact on your repayments and that it pays to get impartial whole of the market mortgage advice. Many home owners looking to move will face difficulties securing a new home mover mortgage, even from their current lender.

The main factors affecting current mortgage availability stem from the lending problems faced by lenders over the last few years. As competent and experienced mortgage brokers we aim to find you the most suitable home mover mortgage given your particular circumstances

For more information, get in touch today!

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for this service and advice. The exact amount will depend upon your circumstances but we estimate it will be no more than 0.50%. We do offer a Fee Only option and the fee for this is typically 1% and the commission paid is rebated to you.
Muscat & Co Mortgage Solutions Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance & consumer credit mediation activities only.

For advice on any of the above Contact Us now.