Craig Leigh - Mortgage And Protection Specialist

12/04/2024

23/11/2023

🙌🙌 Always pleasing to get positive reviews from clients especially in the current financial climate where our clients need our help more than ever!

03/11/2022

It is not all doom and gloom in the Mortgage Market as the media may want people to believe, Even with the recent base rate rise there are a number of lenders reducing there fixed rates.

07/09/2021

What are the Pros and Cons of a low deposit mortgage?

✅Pros – Being able to purchase a dream home sooner.

Being able to move out of rented accommodation or family homes sooner.

Not needing as much capital meaning potentially having extra capital to spend on a new property through improvements or furnishings.

❌Cons – Interest rates are higher than if you were to use a larger deposit and therefore meaning payments are higher.

It may be harder to be accepted by a lender as they are taking more of a risk and therefore will be more fussy when it comes to lending to low deposit borrowers.

The risk of negative equity meaning if house prices drop by more than the amount of deposit put down you could possibly be in negative equity making it hard to remortgage if you wanted to.

Other alternatives to low deposit mortgages to help get on the property ladder-

Shared ownership – This is where can purchase a 25%-75% stake in a property and pay rent on the remaining percentage, kit can come with a staircasing option allowing you to purchase the share that is being rented upto 100%.

Guarantor Mortgages – This is where a parent or relative can assist by either using income for affordability or by using equity of their property or even a lump sum of savings.

Help to buy – This is where you can get a loan of upto 20% of the price of a new build property and only need a 5% deposit, the 20% is an equity loan that has no interest payments for the first 5 years.

🏡Please feel free to get in touch if you have any questions or would like to chat about any of the above and I will be more than happy to help.

01480 573110 [email protected]

*Please note that if you do not keep up your repayments on your mortgage your home may be repossessed*

Specialist Mortgage Adviser for Residential Mortgages, Buy to Let Mortgages, Poor credit, Shared Own

18/08/2021

⭐What can i help with?⭐

Residential Mortgages
Buy to let Mortgages
Bridging finance
Auction property finance
Commercial Mortgages
Help to buy
Shared ownership

I can help with all of the above and not only that i can help if you have:
Bad credit
Complex income
Self employed income
Just started new job

Also able to help with guarantor style mortgages and Mortgages for foreign nationals living in the UK.

PROTECTION!
It is so important to have the correct protection in place so that not only are you covered but so are your loved ones, you cannot put a price on the right protection, but you would be surprised at how little it can cost each month.

Business protection is invaluable to all businesses small or large and can make sure that all key staff are protected and this gives great peace of mind for business owners.

Will!
All our customers qualify for a basic will and that is even if you just arrange life insurance with us, we are happy to help and always have your best interests in mind.

If you wish to discuss any of the above please feel free to send me a message or give me a call on 01480 573110.📲

*please note if you do not keep up your repayments your home may be repossessed*

12/08/2021

� Happy to help �

Do you have a question about a new Mortgage?

Do you have a question about your current Mortgage deal?

Are you currently saving a deposit for your first purchase?

Are you worried that previous bad credit will affect your chances?

Are you worried you will not be able to borrow what you need?

Are you worried about being told no?

Do you think you could be on a better mortgage deal than you already are?

Do you have a simple question or questions? regarding Mortgages or protection?

Do you have any complex questions you would like help with?

Have you been told no before?

Please feel free to send me a message or give me a call on 01480 573110, i will b more than happy to help even if it is answering basic questions you may have, there is no harm in asking and you will be surprised at all options that are currently available to borrowers looking to buy or remortgage.

*Please note if you do not keep up your repayments your home may be repossessed*

02/08/2021

🏡 Happy to help 🏡

feel free to get in touch if

You have bad credit.

You want to borrow more than 4.5X your income.

You are a foreign national looking for a mortgage.

I can help with many different complex situations.

There are so many options out there for all different circumstances.

I am happy to help and answer any questions you may have that are mortgage related.

📲 Please send me a message and i look forward to helping you.

you can also email me at - [email protected]

*please note if you do not keep up your repayments your home may be repossessed*

19/07/2021

⭐️⭐️⭐️⭐️⭐️
Don't just take my word for it.
Great review from a great customer, I am absolutely delighted for the customer and her family.
I am always available to answer any questions mortgage or protection related just send me a message 📲 and i will be more than happy to help.