buying-a-home

Mortgages & Borrowing

Get advice on Personal & Corporate Mortgages

Whether you’re the family settling in a community or the entrepreneur with a new idea, getting a mortgage is the first step to taking control of your financial wealth and security. Our Lighthouse mortgage advisers are prepared to work alongside you and develop practical solutions to make mortgage purchasing and management possible, from your first mortgage to finally paying it off. Find an affordable personal or corporate mortgage solution with Lighthouse today, and secure your dreams with one of the largest assets you own.

Questions? Concerns? | Speak to us by phone on 08000 85 85 90

This is it — the next step to your new home! Getting a first time buyer mortgage seems like a hefty decision, but Lighthouse can ease the worries through clear, intelligent mortgage advice. We’ll help you find an affordable mortgage suited to your needs and optimised for your income, credit, assets, and other factors. In addition to exploring first time buyer mortgage rates and financing options, we’ll aim to minimise risk and develop safeguards to protect against unforeseeable circumstances.

Our Lighthouse mortgage advisers create practical strategies to help you towards home ownership:

  • Our mortgage experts will diligently review your financial circumstances and determine the most beneficial and secure mortgage plan with a low-percentage down payment.
  • If you qualify, we’ll find the right government-backed schemes available for first time buyers, providing greater security through tax breaks, equity loans and mortgage guarantees.
  • Using our knowledge of the lending industry, we’ll do our best to ensure your loan applications meet the standards expected by lenders.

Buying a home is a significant milestone, and at Lighthouse, our experts will strive to help you feel financially secure as you navigate the complexities of home financing.

Life circumstances change; your income may be higher or the value of your home has increased. So why should your mortgage stay the same? A remortgage is your chance to pay off your old mortgage and switch to a new one, ideally with a better interest rate and more flexibility. When your assets are on the uphill climb, Lighthouse will create an amended strategy to better work for you.

Make your mortgage reflect your life circumstances:

  • Lighthouse will work with you and the lenders to find a remortgage solution that lowers costs and helps you build greater disposable wealth.
  • Likewise, if you are looking to make alteration to your property, or perhaps release some equity. Our specialists will explore the options available to you including re mortgages, further advances, bridging loans and secured loans.

Where can you go with a new mortgage? More cash in your pocket, stronger assets in your portfolio? Explore remortgage options with Lighthouse to better suit your needs.

Buy-to-Let mortgages may be more expensive than a standard home mortgage, and investing in property is a risky, high-reward endeavour. Either financial independence or ruin await near the end of this journey, but through Lighthouse, you’ll have buy-to-let specialists on your side who can advise on both consumer and business based Buy to Let mortgages.

Aside from comprehensive financial review and management, as well as wealth building and structuring strategies, Lighthouse will work with you and lenders to find the ideal buy-to-let mortgage optimised for your assets and the property’s potential. Lenders typically require the rental income to be a quarter to a third higher than your mortgage payment.

We’ll help find the equilibrium between expectations and possibilities, and you’ll discover a fruitful business opportunity. Find out how buy-to-let mortgages can serve as a potent source of income.

Mortgage insurance is a fundamental component of risk management. In essence, this type of insurance plan can provide protection should you have the misfortune to suffer an illness, redundancy or accident which prevents you from working and thereby maintaining your mortgage payments.

Policies can vary widely. Typically they will provide either a portion or all of the monthly mortgage bill for various lengths of time if you should lose your job or become disabled. Most mortgage life insurance policies, however, will be tailored to pay off your entire mortgage if you should pass away.

Our goal is to better safeguard your mortgage following an adverse change in financial circumstances. As such, your professional Lighthouse adviser will conduct a complete review of your financial holdings and assess the merits of a variety of suitable mortgage insurance plans. We’ll aim to optimise the benefit of advised policies by weighing them against your current and prospective financial circumstances as well as the possibility of unexpected events.

Never allow the unforeseeable to put you and/or your family in grave financial circumstances. Find a suitable mortgage insurance plan with the advice and oversight of a Lighthouse mortgage and protection expert today.

Equity Release

Speak to us to see instantly how much cash you could unlock from your home.

Important Information: Your home may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages, including Business Buy to Let, are not regulated by the Financial Conduct Authority.

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Why choose Lighthouse ?

20+ Years Experience & Industry Accredited Awards

Insider knowledge for finding the most suitable mortgage for you

Practical solutions for financial security and peace of mind

Lighthouse Group is prepared to work alongside you and develop practical solutions to strengthen your finances and make mortgage management possible.

Find out more about Lighthouse