Mortgage Services
Your home may be reposessed if you do not keep up repayments on your mortgage.
First Time Buyers
Buying your first home can be an exciting but daunting time! At Taylor-Reddey Mortgages and Protection we can guide you through the process ensuring you have access to the best available rates suitable for your circumstances. We have helped many first time buyers take that first big step onto the property ladder.
Home Movers
Whatever your reason for moving home we are here to support you thorough the process. We can discuss the best options for you including whether to port your existing mortgage or to search for better deal with a new lender. There are many different parties to work with when moving home, so we can take care of your mortgage while you focus on the logistics of moving.
Remortgages
A remortgage is when your existing mortgage is replaced by another. This would usually be done at the end of a fixed term to avoid entering onto the standard variable rate. Speaking to us can ensure we can search for the best deal for your circumstances, which may have changed since you initially took out your mortgage. While your current lender may write to you about your remortgage, it is advisable to speak to us so we can give you a wider view of the rates available.
Stephanie and Tom, Marlow
Rohit, and Kinnaree, Liversedge
Buy to Let
A buy to let mortgage can be taken out on a property that you wish to purchase to let out. We have supported many investment landlords in growing their portfolio with the best possible rates for their circumstances.
If you want to let out a property you already own on a residential mortgage it is important to gain permission from your lender and this is a process we can support with. Not gaining permission could be a breach of your mortgage agreement and lead to repossession.
Most Buy to Let mortgages are not regulated by the financial conduct authority.
Let to Buy
Let to buy allows homeowners to let out their existing properly while purchasing a new residential property. This may be to keep their current property as an investment and to gain income from rent while moving home. It is also an option for people who want to move but have not yet sold their current property or couples who want to move in together but retain a property as an investment. This would involve switching to a buy to let mortgage on the original property and applying for a residential mortgage on a new home, both of which we can support with.
Buying Schemes
There are many schemes out there that aim to help people get on the housing ladder, including: Shared Ownership, Right to Buy, Right to Acquire, Forces Help To Buy, and First Home Scheme. We have experience with all of these schemes and can discuss your situation with you to see whether any would be suitable.