Mortgages

Whether you are moving home, remortgaging or purchasing a Buy-To-Let property we have an in-depth knowledge and understanding of the mortgage market. Our bespoke service means that we will endeavor to find you the best deals that work for your individual needs.
We used Heritable Ltd to help us get a “buy to let mortgage” so that we could raise capital to buy a boat. They were professional and efficient finding us a great mortgage tailored to our needs. They were also very kind and supportive explaining all the processes as we progressed. I have now used their expertise twice and would recommend them to anyone who needed advise.

Cheryl James 

What We Do

We offer transparent and bespoke advice, taking the time and effort to ensure our clients receive the best deals that the mortgage and protection markets can offer.  

Everyone is unique and every case is different, but we strongly believe we can help you finance your next purchase, remortgage or project.  

some of the areas we specialise in are:

  • Self Employed Individuals 
  • Buy-to-Let Investors (individuals and companies)
  • Buy-to-Let Overseas Buyers
  • Partners or other Professionals
  • Self-Build Projects
  • Retirement Interest Only Mortgages
  • High Net-Worth individuals
  • Contractors
  • Complex Cases

TIME LINE

Your mortgage application typically goes through the following process:

Fact Find

We collect information relating to income, expenditure, assets and liabilities to ascertain affordability and ensure we can provide you with the most suitable mortgage product. 

Click here to see the Fact Find Document

Research

We research the whole of the market to find the most appropriate and best deal.

Recommendations

We make considered recommendations on the best mortgage based on personal circumstances.

Application

We undertake full application on your behalf based on the information provided during the Fact Find stage. 

Valuation

It is normal practice for the lender to undertake their own valuation, either at their own cost or at a small charge to the borrower.

Mortgage Offer

 We will endeavor to obtain a mortgage offer from the lender as quickly as possible.  The timescales are normally within 4 – 6 weeks. 

Conveyancing

A lawyer will be appointed.  They will either be selected by the lender or you may choose your own conveyancer.  

Due Dilligence

Conveyancers will undertake their own fact find, will request a redemption statement (in a remortgage case) and ask the borrower to sign various documents including the Standard Security. 

Draw Down

Conveyancers will arrange a suitable date to draw down monies and the mortgage loan will commence.