Mortgages
We work on a whole of market basis ranging from high street banks such as NatWest, Halifax & Nationwide to specialist lenders for more strategic and complex cases.
Whatever your circumstances we’re here to help.
Most of our day to day work comes from client referrals, and word of mouth from existing customers who can recommend us implicitly. This can be demonstrated by the sheer amount of happy customers that have kindly left us feedback.
Mortgages:
Your home (or property) may be repossessed if you do not keep up repayments on your mortgage. Fees are payable on mortgage application. We charge a broker fee for property purchases of £495 and £295 for a remortgage. Our Product Transfer fee is £95.
How can we help?
First Time Buyer
Taking your first step onto the property ladder can be a daunting time. Our mortgage experts will be there to guide you through the process from start to finish. From our initial conversations, right through to completion of your new mortgage, your personal account manager will always be on hand to answer questions and help out.
Home Mover
If you’re looking to make a change or have even already had an offer accepted on a property we’re here to help raise the mortgage needed to make your perfect home become a reality. We’ll discuss your circumstances, preferences and future plans before sourcing the whole market to find you the most suitable product for your needs.
Re-mortgage
If you’re nearing the end of your current mortgage deal, or are already on your lender’s Standard Variable Rate, want to change your repayment plan, or need to release some equity from your home then Harmony are well placed to help you. We’ll assess your options & advise you on the right course of action for your individual circumstances.
Help to Buy
The Help to Buy scheme offers an equity loan where the government lends first-time buyers and existing homeowners money to buy a newly-built home.
The purchase price must be no more than £600,000. Under this scheme, you can borrow 20% of the purchase price interest-free for the first five years as long as you have at least a 5% deposit. If you live in London, you can borrow up to 40% of the purchase price. (Source : helptobuy.gov.uk)
With a range of government backed schemes available, we can carefully assess your situation and find the most suitable combination of scheme and mortgage lender to make property ownership become reality.
Right to Buy
Right to Buy allows most council tenants to buy their council home at a significant discount over the market valuation; this is a great opportunity to own your own home without having to raise significant deposits that many find unachievable in today’s market.
Our team of experts have many years of experience within this field and we even offer a service that completes the whole process for you from start to finish, including the initial application, obtaining the valuation and getting you to the section 125 stage (the confirmation of price and your eligibility to buy)
Get in touch with us to chat to a Right to Buy expert today.
Buy To Let
Whether you are looking to expand your current property portfolio, or are thinking of becoming a landlord for the first time, you will need to take out a buy-to-let mortgage rather than a standard residential mortgage. A buy to let mortgage is a special type of mortgage which is designed for people who are looking to buy a property which they intend to rent out to a tenant.
Rates on buy to let mortgages are usually slightly higher than on residential mortgages, and the deposit will normally need to be higher also.
It is not feasible to apply for a residential mortgage on a property which you let out or intend to let out, as if your lender discovers you are doing this, they could either ask you to repay the mortgage immediately, enforce financial penalties, or switch you to a higher rate.
Buy To Let Purchase
Whether you’re a first-time landlord, an experienced investor or somewhere in-between the two, we are here to help you get more from your property investments. We can help guide you through the criteria to ensure you end up with a competitive mortgage to suit your investment and maximise returns.
Buy To Let Re-mortgage
If you’re coming to the end of your current mortgage deal, need to re-finance a property or indeed your entire portfolio, we can guide you through the increasingly complex process of re-mortgaging Buy to Let properties. In light of the recent changes to the way Buy To Let properties are taxed it has never been more important to ensure you continue to be on the right mortgage deal.
Let to Buy
Rather than sell your home when you are looking to move residence, increasingly many people wish to investigate the option of retaining their existing home. This is often by choice but sometimes through necessity. Let to Buy is the process of re-mortgaging your current main residence onto a mortgage product that allows you to rent the property out to tenants whilst releasing equity in order to purchase your new home. If this is something that you are considering & wish to investigate please get in touch so we can guide you through what can be a complex process.
Please note: Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority
Self Employed and Contractor Mortgages
Self-Employed Mortgages
If you’re self-employed, finding the right mortgage can often be a lot of work, since every lender has different criteria when assessing your application. Lenders can take different views on net profits, dividends, salary and the length of time that you have been trading meaning that seeking professional advice is essential.
Whether you’re a Sole Trader, Director of a Limited Company, Partner of an LLP or have a mixture of income sources, we can do all of the hard work and we specialise in finding suitable products to meet your individual needs accordingly.
Contractor Mortgages
If you’re new to contracting or have been a contractor for many years, there are many ‘contractor friendly’ lenders in the market that can offer loan amounts far in excess of what’s achievable via standard lenders that adopt a more conservative approach when assessing income for someone on a fixed term contract.
If you’re on a fixed term contract and want to discuss your options then contact one of our mortgage experts today for advice.