The Let to Buy Mortgage
Mr Johnson came to us because he wanted to buy a new property, it was bigger than his current home thought he could reside there for many years to come. However, he was struggling to sell his home which was a two up, two down property. He was on the verge on loosing out on the new home so wanted to explore his options.
We were able to offer him the ability to convert his current home onto a Let to Buy mortgage and capital raise enough for his new deposit. This allowed Mr Johnson to still move home. We then put him touch with local trusted letting agent who was able to secure him a tenant within days of the property being advertised.
We will always look at the bigger picture to ensure that all possible avenues are explored, normally leading to a solution that you might not have thought to consider.
The Honest Broker
Mr & Mrs Smith had previously owned a property many years ago and due to health and work they unfortunately had their home repossessed and went bankrupt. So this time round, they felt really unsure how this would affect them and didn't know who to turn to.
We were able to offer this lovely couple completely unbiased advise and in our dedication to ensuring each customer gets the best possible solution, we actually advised that they approached their new lender directly as the product they required wasn't available to mortgage brokers at that time. We could have used a higher rate, but this wouldn't have been the right thing do. However, despite sending them to the bank, we helped ensure they had all the documents they would need and discussed the products available so they knew what they wanted. On top of this we are able get them in touch with an excellent conveyancer, who offered a fantastic service from start to finish.
We know that mortgage advice is a very personal thing, which is why we consider all the options to ensure you get the very best solution for your needs.
The Low Deposit Mortgage
Mr Heart came to us because he started to look at mortgage options before the national lockdown with a 5% deposit, unfortunately when he then found the perfect home, the conventional 95% mortgages where no longer available, so he wasn't sure how he could proceed with his offer, if at all.
We were able to offer him a family assisted mortgage. This type of mortgage is where a close member of your family is willing to either put forward savings or equity in their home to support the application. Because these mortgages don't necessarily require a physical deposit, Mr Heart was able to continue with his purchase and keep his 5% deposit back for other fees, emergencies and the personal touches on his home. These products are great and it's always warming to see families willing to help each other.
Robin Mortgage Design are a whole of market mortgage & protection brokerage. Mortgage brokers who are whole of market have access to the largest pool of mortgage providers such as banks, building societies and pure mortgage lenders. When you choose us, you’ll be treated as an individual from the very start. We’ll take the time to understand your situation and propose suitable options for your mortgage & protection needs.
At Robin Mortgage Design, we consider all available solutions and do not assume that any solution will or will not be available to you.
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By submitting the information in this form you voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.
If you are considering securing additional debts against your home: Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Some links on this website will take you to third party websites. Robin Mortgage Design have no control over and are not responsible for the content of other sites.
*some services are by provided as a referral to a third party company. No personal information will be shared with such companies without your prior permission. Robin Mortgage Design have no control over these companies and cannot be held accountable for their service or advice.
Robin Mortgage Design is a trading style of Robin Partnership Ltd whom is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. The registered Office of Robin Partnership Ltd is 22 South Street, Castlethorpe, Milton Keynes, Buckinghamshire, MK19 7EL. For more information please refer to the FCA register https://register.fca.org.uk
Robin Mortgage Design charge a broker fee which is only payable on mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00