LOOKING FOR A MORTGAGE?

Whether you are a first time buyer or manage a large property portfolio, GW Mortgages has the experience and knowledge to navigate you through the process.
BUYER GUIDE
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LOOKING FOR A MORTGAGE?

Whether you are a first time buyer or manage a large property portfolio, GW Mortgages has the experience and knowledge to navigate you through the process.
BUYER GUIDE

OUR MORTGAGE SERVICES:

HOME PURCHASE
FIRST TIME BUYER
INVESTMENT PROPERTY
REMORTGAGE

HOME PURCHASE

A home purchase is simply where you own a property already and are moving to a new home.

Moving home can be one of the most stressful things you do. GW will help take the stress out of the whole process and ease any speed bumps along the way.

If you currently have a mortgage on your home, then we will compare what you have with what you need and give you the best advice when raising additional funds, porting, or let to buy mortgages.

Coming from an Estate Agency background, GW will offer advice to prepare your home for sale, as well as securing a new purchase. Once you have Financially Qualified through one of our Mortgage Brokers, GW will help negotiate a sale with the Estate Agent, to put your offer forward in the best light possible.

After the sale is agreed and the mortgage application goes in, GW has a Transaction Support team who will chase solicitors, lenders, and surveyors right for clients, right the way up to completion

OUR MORTGAGE SERVICES:

HOME PURCHASE
FIRST TIME BUYER
INVESTMENT PROPERTY
REMORTGAGE

HOME PURCHASE

A home purchase is simply where you own a property already and are moving to a new home.

Moving home can be one of the most stressful things you do. GW will help take the stress out of the whole process and ease any speed bumps along the way.

If you currently have a mortgage on your home, then we will compare what you have with what you need and give you the best advice when raising additional funds, porting, or let to buy mortgages.

Coming from an Estate Agency background, GW will offer advice to prepare your home for sale, as well as securing a new purchase. Once you have Financially Qualified through one of our Mortgage Brokers, GW will help negotiate a sale with the Estate Agent, to put your offer forward in the best light possible.

After the sale is agreed and the mortgage application goes in, GW has a Transaction Support team who will chase solicitors, lenders, and surveyors right for clients, right the way up to completion

FIRST TIME
BUYER

Buying a home is one of the biggest financial decisions you’ll make in your life and it can sometimes seem a daunting prospect. That’s why we have produced this guide to help you understand what you need to think about and the steps you need to take when buying your home and remortgaging.

You’ll find a range of information from what a mortgage is to the costs involved. There’s also a useful step-by-step planner and important information on how to protect your home and family.

BUYER GUIDE

FIRST TIME
BUYER

Buying a home is one of the biggest financial decisions you’ll make in your life and it can sometimes seem a daunting prospect. That’s why we have produced this guide to help you understand what you need to think about and the steps you need to take when buying your home and remortgaging.

You’ll find a range of information from what a mortgage is to the costs involved. There’s also a useful step-by-step planner and important information on how to protect your home and family.

BUYER GUIDE

INVESTMENT
PROPERTY

CAPITAL GROWTH

PASSIVE INCOME

POLITICAL & ECONOMIC STABILITY

RECORD POPULATION GROWTH

HOUSING SUPPLY AT 100-YEAR LOW

RISING RENTAL YIELDS & PROPERTY PRICES

BUY-TO-LET

Buy-to-let is where you simply buy a property to let out, but generally on a ‘single let’ basis. You might have one family, or a couple renting one whole property in comparison to multiple people.

House of Multiple Occupancy known as HMO is a very popular strategy used to maximise returns through one property. You would find multiple tenants letting in the same property, on a room by room basis.

Another way of maximising rental returns through one property. Often Air BnB is a popular advertising method as serviced accommodation is where you advertise a property on a night by night basis.

Where you simply buy a property with the intentions of selling it again. Most common with refurbishment projects where a profit margin can be made upon re-sale.

This is a very effective strategy if used with the right deal. Typically, this is where you acquire a distressed property requiring a lot of work, and therefore ‘un-mortgageable’ to a residential lender in its current condition. You would finance the purchase with a bridging loan or venture capitalist then go on to refurbish the property, and then refinance on to a standard residential mortgage, once the work is complete and of an acceptable standard to the lender. This is a cost-effective way of building a portfolio if done correctly.

REMORTGAGE

FOUR KEY REASONS TO REMORTGAGE

  • Remortgaging can offer a better interest rate than SVR once your deal is over.

  • If you remortgage you could find a more competitive fixed rate deal.

  • Release equity from your property to pay for home improvements or other debts.

  • Property value increased? Lower loan-to-value might help you qualify for better interest rates.

REMORTGAGE

FOUR KEY REASONS TO REMORTGAGE

  • Remortgaging can offer a better interest rate than SVR once your deal is over.

  • If you remortgage you could find a more competitive fixed rate deal.

  • Release equity from your property to pay for home improvements or other debts.

  • Property value increased? Lower loan-to-value might help you qualify for better interest rates.