Welcome to valemortgages.co.uk

Today's mortgage market is wide, varied and complex. We have many banks, buildings societies and specialised lenders to approach and more than 1,000 different mortgage deals to choose from.

Let us do the work and help you find which one suits you?

We can help you select the mortgage that best meets your personal circumstances. Whether you are a first time buyer looking to take your first steps into the property market or an experienced investor looking to extend your property portfolio we can give you advice that is perfectly tailored to meet your needs.

Are you looking for a large loan? a commercial loan or the property you are re mortgaging is unusual.

Mortgages Our mortgage calculator compares over 1,000 mortgages and re mortgage products. We specialise in the following areas

• First Time Buyers
• Re mortgage
• Residential property purchase
• Buy to let mortgages
• Let to buy mortgages
• Second & Holiday Homes
• Right to buy council house
• Guarantor Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyer Mortgages

Valemortgages.co.uk offers free initial advice before you buy on all the costs associated with buying your first home.

We can find the best deal to suit your own circumstances.

We can even help reduce the monthly cost of your existing loans, credit cards etc.

• 90% mortgages available
• Legal fees? Schemes available with help to-wards legal costs or paid in full
• Valuation fees? Free valuations available
• High percentage loan fees can be added to the loan

Home Mover Mortgages  

• Fixed rates from 1 – 25 years
• Tracker rates available for the whole term of the mortgage
• Capped rates mean no worries if rates rise, but benefit if rates fall
• Cash back gives you a lump sum to spend how you wish
• Flexible helps you pay off your mortgage sooner
• Short term discounts

If you need finance to build an extension or refurbish your home. If you need to raise capital to reduce your monthly debt payments, pay off credit cards etc. If you want that once in a lifetime holiday

Valemortgages.co.uk can unlock the equity in your home.

Want to save money on your monthly repayments?

Up to 90% of the value of your property available.

Valemortgages.co.uk will help save you money with one of the following deals

• Fixed rates
• Discounts
• Cash backs
• Tracker
• Capped

Many of these deals will pay part or all of the legal fees!

Terms and conditions may apply to some of these schemes. (in particular cash back, fixed rate & discount mortgages)

Self Employed Mortgages

Just starting off a new business

Need to raise capital to expand your business?

Valemortgages.co.uk can help you 

Borrow up to 90% of the property value.

Capital raising to improve your business cash flow.

Right to buy

Council Tenants - Right to Buy. Valemortgages.co.uk specialise in helping tenants to purchase their council property under the Governments Right to Buy Scheme.

You can borrow up to 90% of the property value!

What Kind of Discount Do You Qualify For?

The maximum level of discount you are entitled to depends on the local area you live in. The discount to which you are personally entitled is roughly proportional to the number of years you have been paying rent in public sector housing. This means that the longer you have been renting from the council, the higher your discount entitlement will be.

Who has the Right to Buy?

1. District Council
2. London Borough Council
3. Non Charitable Housing Association
4. Registered Social Landlord
5. Housing Action Trust
6. Other Statutory Housing Bodies

Previous or long term tenancies will help increase your qualifying period and your discount.

Buy to Let Mortgages

Managing your own portfolio of properties can be an attractive proposition. Over the long term property has historically been a very safe investment decision.
Lenders view buying property that you will rent to a non-family member as an investment. This means that they apply different criteria when assessing your application to those used for residential mortgages.

Cash to invest? - Want to invest in property to rent? - Valemortgages.co.uk can help you.

• No income required
• 15% deposit
• Borrowing based on rental income  

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valemortgages.co.uk can give investors the knowledge to think and act like a property professional.
Our FREE advice will help you to:

• Get into property faster & smarter
• Find and buy investment property
• Quickly build a property portfolio

 valemortgages.co.uk Can give you free advice on how to build up your property portfolio

How to become a property millionaire?

We will explain:

• Economic and social trends which affect demand for property
• How to identify property hot spots and areas The pros and cons of buying property
• Assessing risk and return within property deals
• Negotiating techniques: how to identify sellers who need a quick sale
• Finding property
• How property investments can be affected by interest rate rises
• Property Values can decrease as well as increase
• The effect of having a low deposit on a purchase can mean higher interest rates and the possibility of negative equity if property prices fall

Why is it free? Well naturally we hope to develop an ongoing relationship with you and continue to offer our support and expertise to you to help you succeed in property investment. Discussing your needs does not commit you to cost or further contact from Valemortgages.co.uk our success is your success

Why Invest in Property? Security and stability of our own future is definitely looked at by individuals more today than just a few years ago making people realise that they need to begin planning for their futures.

We can ask ourselves a few very simple questions, and if the answers do not read well, then we know we have to take action.

• Do we want to be wealthier?
• Do we want to achieve our dreams?
• Are we happy with our jobs?
• Are we spending enough time with the family?
• Can we help our children go to university if they wish?
• Will we need to help them on to the property ladder in the future?
• In 5, 10, or 20 years time when we retire will we have enough to live on?
• Can we set our children up before the tax man comes?

Property investing, if done correctly, will help answer the above questions. Whether you wish to buy one extra investment to sort out the kids or build a portfolio so you can change careers, the options are open to each and every one of us.

Property is not a phenomenon of the last few years; it has been a secure investment for quite a considerable period. It will remain so as demand continues to rise. However property prices can rise and fall depending on the economic climate.

The impact on property investment can depend on interest rates, property prices and the level of deposit available

For further information please contact us on Tel 01386 870307 or fill out our quick and easy enquiry form

Shared Ownership Remortgages

Valemortgages.co.uk can arrange remortgages for shared ownership clients.

All the lenders we use offer remortgages to acquire more shares or buy out a partner. Only a few offer this facility where there has been some adverse credit history.

We have schemes that will allow you to remortgage up to 100% of your share and any level of adverse credit is acceptable from none to unlimited. The maximum remortgage for debt consolidation is 75% of share where there is no adverse credit or 65% of share with unlimited adverse credit (mortgagee protection clause not required for these). Don't let the housing association refuse approval for this!

We have years of experience in arranging adverse credit shared ownership remortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What is shared ownership housing?
Shared-ownership is a great way into home ownership. If you can't afford to buy outright, you can part buy and part rent your home.

You might buy a 25%, 50% or 75% share in your home. You pay a small rent on the share that you don't buy. The bigger the share that you purchase, the less rent you have to pay. The monthly cost of buying a 50% share is about two-thirds of what you would pay on a mortgage if you bought the property outright. When you can afford to do so, you can buy more shares until you own your home outright.

Who can buy shared ownership housing?
Shared ownership housing schemes are usually intended for people who cannot afford to buy a suitable home in any other way. Applicants must usually be in housing need and be unable to afford outright purchase.

Priority will often be given to people on local authority or housing association waiting lists.

However, when a new housing scheme is developed that includes shared-ownership homes for sale, housing associations often have to work hard initially to sell the shared ownership properties. This is because, when the new homes are first available the association usually has a number of homes available for sale all at one time. Consequently, if you are interested in shared ownership housing don't be put off by the bureaucracy. Apply to the local authority or a housing association that offers shared ownership housing in your area as soon as possible.

You don't have to find a new housing development to be able to buy a shared ownership property. When shared owners want to move home, their property will either be offered to the housing association to find a buyer, or will be advertised in the local estate agents.

How can I get a mortgage on my shared ownership home? Valemortgages.co.uk can help you look at various lenders that deal in shared ownership mortgages.

"The Financial Services Authority does not regulate some forms of buy to lets, secured loans, commercial loans and overseas mortgages."

"The guidance and/or advice contained in this website is subject  to UK regulatory regime and is therefore restricted to consumers based in the UK."

Fees

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be 0.5% of the mortgage advance, ie £500.00 on a £100,000 mortgage.

APR

Mortgages are secured on property. All loans are subject to status, property value and type. Insurance may be required. Mortgage advice is free up to the point of completion whereupon a fee of between 0.5% and 5% (1% - 10% for secured loans) will be charged, depending on your individual circumstances. This fee may be added to the loan.

The overall cost for comparison on residential mortgages is 7.3% APR. The overall cost for comparison on commercial mortgages is 11.75% APR. The overall cost for comparison for secured loans is 15.7% APR. The actual rate available to you will depend on your circumstances. Ask for a personalised illustration. The minimum age of mortgage applicants is 18. We may record calls for the purposes of training and monitoring.