There’s no denying that the prospect of owning your own home is an exciting one. Whether you are a first-time buyer or have purchased multiple homes in the past, you still get that same feeling of excitement.
However, if you don’t get the right advice in advance, your excitement can be dimmed by the thought of a ‘mortgage’. And sometimes, it’s for good reason, as a mortgage is one of the biggest single outgoings that a household can have. It’s not something to rush into.
But the thought of a mortgage shouldn’t scare you. The process of buying a home is something that you won’t forget, so why not make it memorable for all the right reasons.
That’s what we are here to help with. We are the go-to people when it comes mortgages and we can get you the keys to your new home quicker.
Whether you are a first-time buyer, moving home, looking for mortgage renewal, remortgaging, we can help.
You want professional, beneficial, informative advice and we are here to give you just that. We believe in providing straight-talking advice and guidance in black and white, with no jargon. Because let’s be honest, mortgages can be confusing enough as it is. We don’t want to confuse things further, we want to provide advice of the highest quality to ensure that you get the best mortgage deal.
We have a straightforward approach to mortgages to clear up any grey areas for you. We’ll wade through the best mortgage deals, so you don’t have to.
Finding The Right Type of Mortgage for You
We know that when you’re looking to buy a property, there are two vital things to consider: how much you can borrow and how much your mortgage is going to cost, once you factor in the interest.
There are thousands of mortgages available out there, it can be difficult to find the best type for you, on your own. But regardless, if you are a first-time buyer, home mover, buying to let or remortgage, we can help you find the best deal.
As an independent mortgage broker, our experts have access to over 40 lenders offering hundreds of different products. So we’re bound to find one that suits your needs best.
First Time Buyer
Taking your first steps to get on the housing ladder can seem intimidating, but it doesn’t have to be this way. You have every right to feel anxious, it’s a significant milestone in your life, and it’s something you have mulled over time and time again.
Now, “where do I start?” you may be thinking. But don’t worry, we are on hand to provide you with all the assistance you require.
Our experts will walk you through the process and establish what you can afford and what lenders will be prepared to lend you. We will talk you through the benefits of different deposit levels, how it can alter the interest rate and then, we will recommend the most suitable term to fit your budget.
We will guide you through the different rate types before recommending the most suitable first time buyer mortgage to fit your needs.
Moving home is deemed one of the single most stressful experiences that families go through. But putting family quibbles aside, it doesn’t have to be that bad. Let our experts guide you through the process straight to completion with no-stress or hassle.
Regal Finance will be happy to help with all aspects of the process and be on hand to speedily answer any questions that you may have to help find the most suitable mortgage deal for you.
The steps to buying your dream home, aren’t as far away as you think
Want to Remortgage?
You can save money and reduce your repayments when you switch your mortgage. If you’re not sure whether you should remortgage or not, don’t worry. We can walk you through all the benefits and risks of remortgaging so you can make an informed choice if its the best option for you.
We also provide advice and guidance on mortgage renewal, mortgages for new builds, holiday let mortgages and buy to sell/let mortgages. Get in touch to find out more.
Buy To Let Mortgages
Buy to let mortgages are needed when you plan on buying a home to rent it out. Renting your house on a residential mortgage often runs the risk of breaking the mortgage contract.
Buy to let mortgages typically require a greater deposit and come with higher interest rates than regular mortgages, but allow you to make more money from your property.
Get A Mortgage With Regal in 3 Easy Steps
Complete an enquiry form and an advisor will call you back.
Send us the documents we need.
Receive a Decision in Principle from one of our lending panel.