First time buyer
At Giraffe Finance, we understand that buying your first property can be an overwhelming experience and we ensure that we are holding your hand at every step throughout the entire process.
We have access to over sixty mortgage lenders, from the high-street banks, to smaller building societies and even specialist private banks. We are conscious of the fact that speed is everything in today's fast moving property market and we pride in providing a fast and efficient service.
With the ever-changing mortgage environment, we make sure that we take advantage of the increasing competition between banks and building societies to secure the best deals for our clients be it a Fixed rate, Variable rate or a Tracker rate.
During your remortgage, we will search the mortgage market to find you a more competitively priced loan appropriate for you based on your existing circumstances. We will always a recommend a product that is best suited to you so you can be rest assured that you are getting the best deal from us.
We can also help clients to re-mortgage their existing properties to generate deposits for new property purchases, home extension or consolidating debts.
Mortgages for Professionals
Mortgages for professionals are products offered by a limited number of banks lending to qualified professionals such as doctors, lawyers, dentists and teachers. Many professionals often have irregular earnings or income from several sources. For example, a doctor may receive income from a mixture of regular, locum and private practice work. At Giraffe Finance, we can help source the best deal available for you.
Buy to Let Mortgage*
Buy to let property investment has become an attractive investment option over the past few years due to the miniscule returns on savings accounts and a volatile stock market. Landlords in many parts of the country are enjoying increasing demand from tenants who are struggling to afford a deposit on their first home and remaining in the rented sector.
Our buy to let clients include landlords who have one buy to let property to professional landlords with a portfolio of properties. We are increasingly also seeing a rise in Limited Company buy to let purchases. The rental stress test has become a pre-requisite requirement for any buy to let mortgage and will subsequently influence how much you can borrow. We will also help you understand what the additional 3% stamp duty surcharge means to you and we recommend that you speak to your tax advisor to understand the tax implication of a buy to let investment.
Buy to Let Portfolio Review & Remortgage*
The buy-to-let sector has grown significantly in recent years and many landlords are looking to expand their property portfolios especially since the interest rates are at an all time low.
It can be difficult for landlords who have a large number of properties to keep track of all their mortgage rates and this can often lead to unnecessary monthly interest costs. This is why we advise our clients to have a periodic review of their mortgages with us so we can look at the options that are available to you. We can often advise that you switch to a lower rate where applicable and we can also tell you if you can release any equity in order to expand your property portfolio.
Commercial mortgages generally take over where business loans finish and obtaining a commercial mortgage is based on the ability of your business to make the repayments. Lenders will often scrutinize the business accounts before quoting an interest rate and at Giraffe Finance, we can help arrange a commercial mortgage for you or your company.
* The Financial Conduct Authority does not regulate some forms of Buy to Lets & Commercial Finance