There are thousands of mortgage and insurance products in the UK today, it can be daunting trying to find the one mortgage to suit your particular needs. Don't worry help is at hand! At Sweet Mortgages it is our job to source the market and recommend the most appropriate products for you. There are lenders who will consider aspects of credit history but it is important we have a full account of your circumstances.
For example, the amounts, dates and type of problem incurred. We can discuss your options and provide you with tailored advice to suit your needs. We understand the hectic and busy lifestyles of our clients and endeavour to fit appointments in, at a time to suit you including evenings and weekends. As an IT friendly company we are able to complete applications via a combination of phone, post, and email, enabling us to cover the whole of the UK.
Face to face we cover Lincolnshire. So you can relax in the comfort and privacy of your own home when discussing your mortgage and protection needs.
For example, the amounts, dates and type of problem incurred. We can discuss your options and provide you with tailored advice to suit your needs. We understand the hectic and busy lifestyles of our clients and endeavour to fit appointments in, at a time to suit you including evenings and weekends. As an IT friendly company we are able to complete applications via a combination of phone, post, and email, enabling us to cover the whole of the UK.
Face to face we cover Lincolnshire. So you can relax in the comfort and privacy of your own home when discussing your mortgage and protection needs.
Services
The amount you can borrow will vary from lender to lender.
They no longer use income multiples, they now use affordability calculators.
These take into consideration your income, outgoings, dependent children and the mortgage term.
Lenders also consider what size of loan you are applying for, compared to the property value (LTV "loan to value"), before assessing what you can afford.
Traditional financial wisdom recommends that your monthly mortgage payments are no more than a third of your net monthly income i.e.
They no longer use income multiples, they now use affordability calculators.
These take into consideration your income, outgoings, dependent children and the mortgage term.
Lenders also consider what size of loan you are applying for, compared to the property value (LTV "loan to value"), before assessing what you can afford.
Traditional financial wisdom recommends that your monthly mortgage payments are no more than a third of your net monthly income i.e.
Buildings insurance is a mandatory condition when taking out a mortgage and lenders will insist that this insurance is in place.
Buildings insurance will cover the cost of rebuilding or repairs from any damage caused by fire, flood, subsidence or explosion.
Contents insurance is not usually a mandatory requirement when taking out a mortgage, but it is in your own interest to protect your personal belongings.
You have worked hard for them and failure to have adequate insurance will put you at significant risk of losing them and impact you financially should you need to replace everything.
Buildings insurance will cover the cost of rebuilding or repairs from any damage caused by fire, flood, subsidence or explosion.
Contents insurance is not usually a mandatory requirement when taking out a mortgage, but it is in your own interest to protect your personal belongings.
You have worked hard for them and failure to have adequate insurance will put you at significant risk of losing them and impact you financially should you need to replace everything.
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