Residential Mortgages

There are lots of choices for first time buyers to make and finding the most suitable mortgage can be confusing. Each lender offers different products with specific criteria that needs to be met in order to qualify.

First Time Buyer

There are lots of choices for first time buyers, finding the most suitable mortgage can be confusing. Each lender offers different products with specific criteria that needs to be met.
Sunrise Financial Solutions have whole of market access who can find dozens of different mortgage and insurance products. If you are buying your first home our adviser on hand to guide you through the options.
First time buyers also need to think about which insurance products to take alongside the mortgage to ensure they are protected.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Home Mover

Home movers have a number of different scenarios to consider.
If they have a mortgage already they need to establish whether they can remain with the same lender and transfer over the mortgage to the new property, potentially topping up and borrowing more with them, or whether a new lender will be more cost effective.

Home movers also need to ensure that their new mortgage is protected with the relevant insurance products. If you are moving home our adviser will guide you through the entire process.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgages

Remortgage is to secure a new deal with a new lender that matches your financial goals.
Sunrise financial solutions helps our customers find new remortgage deals that ideally suit their financial goals.

You may be considering a remortgage to; consolidate your debt, obtain a better rate, raise capital to invest in your own home or help family members with a purchase or gain more flexibility. Whatever your reason is, our experts here at Sunrise Financial Slolutions can assist you to find exactly the right option for you.

Your home may be repossessed if you do not keep up repayments on your mortgage

Buy to let Mortgages

A buy-to-let mortgage is a mortgage specifically to people who buy property as an investment, rather than as a place to live. If you plan to let your property, you will have to finance your purchase with a buy to let mortgage.
Buy-to-let mortgages are usually offered on an interest-only basis. This means that your monthly payments will only cover the interest on your mortgage. Your capital debt will remain same.

You will need to pay off this amount in full at the end of your term. You could do this by selling the property or from any other sources or you can remortgage the property, change the lender to keep the property. Buy-to-let mortgage requires a larger deposit. You’ll face larger fees and pay a higher rate of interest, and you will have to pay more stamp duty for any property that is not your main home.

Your home may be repossessed if you do not keep up repayments on your mortgage

Let to buy Mortgages

Let To Buy is another mortgage product available to customers which offers an alternative to the popular “Buy To Let” option.
A let to buy mortgage works by allowing you to raise the capital from your current residential property for the deposit to buy a new residential property and let your current one to tentants.

Sunrise Financial Solutions will provide the lenders who lend the maximum at a resonable rate so that rent will cover your mortgage and the lender who are prepared to lend you will not take your existing mortgage into consideration as a commitment as long as the rent covers the existing mortgage payment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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