First Time Buyers

Buying your first home is complicated enough, we take the mystery out of finding the right mortgage deal for you as a first time buyer. We trawl the market for you and present you with only the best options available.

We guarantee you honest advice with your best interests at heart. With a huge range of lenders available, all with different offerings for first time buyers, we will find you the right mortgage suited to your needs. We make sure you start out on the property ladder on the right foot.

So, as long as you or your partner (if you are both applying for the mortgage) have never owned a property before in the UK or abroad, you will usually qualify as a first time buyer. As lenders all have different rules, we find you the lenders who will offer you the best terms and qualify you as a first time buyer.

Re-Mortgages

Most mortgages are offered with a short term discount or fixed rate, usually for a term of 2 to 5 years. At the end of that term the mortgage interest rate reverts to the lender's standard rate which will not normally be advantageous. Before the end of the reduced interest rate term, we can find you a lender who will offer you a remortgage so you can switch your mortgage to them.

With lower interest rates, the monthly repayment is lower for you or you may wish to continue paying a higher monthly repayment and pay off your mortgage earlier than planned.

With a huge number of the UK's leading lenders available to us, we can find the right remortgage solution for you. Once we have trawled the market for deals, we will take you through the best options available to you, explaining each option to ensure you get the most out of your money.

Moving Home

Moving home can be the most stressful time of your life. Pure Financial help take the hassle out of the financial elements of the move, we search the market for the right mortgage deal for you and make sure we explain everything to you so you understand the options available to you.

Most lenders will allow you to "port" or move your current mortgage over to your new home but often there are better options available to you. Pure Financial will make sure we weigh up all the options and help you decide on what's best for you and your budget.

Buy to let Mortgage

We get to know your needs as a landlord and offer personalised advice to you so we can help you find the right mortgage deal for your property investment.

Often, buy to let mortgages are not regulated by the Financial Conduct Authority.

Usually, buy to let mortgages are seen as a commercial loan and, as a result, will have higher interest rates and require larger deposits to secure them. We get to know your business, what kind of property investments you are looking to make and work with you to help smooth the financial services path.

Bridging Loans

If you are buying a new property and need to complete on that purchase before selling another property, you may benefit from a bridging loan to help you in the short term.

As bridging loans are often required quickly, we will make sure you receive our full attention immediately to scour the market for the right bridging loan for you. We then present you with the options available and help you secure the bridging loan you need to move on with your property purchase.

Commercial Mortgages

If your business is looking to buy retail premises, a factory or land, you may require a commercial mortgage

Our team partner up with experienced commercial mortgage lenders who have years of experience in this sector. They will present you with a range of commercial mortgages and give you good honest advice on the best options for you and your company.

Most forms of Commercial Mortgages are not regulated by the Financial Conduct Authority.

Secured Loans

When you take out a secured loan, the loan is secured against an asset, usually property you own.

The asset you own needs to exceed the value you of the loan you are looking to secure and the lender will use this asset as a security for your loan should you not be able to meet the repayments.

Pure Financial trawl the market for a secured loan for you and present you with the best options available to you. We will keep you informed of our progress as we work to find you the best secured loan.

We do not offer secured loans personally but we can refer you to our third party who will be happy to help you.

Self-employed Mortgages

Getting a mortgage when you are self-employed requires some extra work but, with our help, we will ensure you get the right mortgage deal for your requirements.

A self-employed mortgage is technically the same as a normal mortgage, it just includes more paperwork to prove your income and the stability of that income.

If you are self-employed, as an absolute minimum you are expected to have at least 2 years of accounts or tax returns (1 year is sometimes available with specialist lenders). Anything less than that and you will fall at the first hurdle, If you are able to provide more than 2 years information, it is very beneficial and can often help speed up your application and get you a better rate.