Direct Mortgage Centre

read moreWe are Buy to Let experts. Whether you are a First Time Landlord or an experienced landlord expanding your property portfolio, you can compare the best buy to let mortgages online in minutes. Buy To Let mortgages are available to clients who wish to buy a property to let or maybe your are moving home and wish to keep your current home as an investment which you will then let out. We are experts in the Buy to Let market and have clients with large portfolios which we help manage the finance arrangements on.

read moreHave you found that Re-mortgaging with a Help to Buy mortgage isn't quite as simple as you might think? If you are looking for a straight swap, then it is pretty straight easy, a few lenders are happy to accommodate these types of mortgage and you should get a pretty decent rate depending on your circumstances of course. If you need some help comparing, give me a call on 01233 512012 and I can carry out a free mortgage review for you. If you have already looked in to refinancing, no doubt you will have hit some brick walls, it's either not in the banks lending policy or they are just not interested in this type of lending.

read moreSharedownership is a great way to help you if you do not have a large deposit or your bank can not lend you enough to buy a new home in your area. Typically you would buy a home from a housing association who are offering shared ownership property for sale, you can buy a share from as little as 25% of the value of the property and you pay the housing association rent on the share you do not buy, this is typically cheaper than a mortgage for the whole property. You buy a house valued at 200,000 and you decide that you can afford to buy a share of 50% of the property, we arrange a mortgage of 95,000 and you pay 5,000 deposit.

read moreWe are afraid to say that in general the answer is no, most lenders offer the same mortgages to home movers as they do to first time buyers. It is vital you get professional advice right at the start of the process so as soon as you start searching for a new home get in touch, we are always happy to offer friendly and professional advice.

read moreSo you have some defaults showing on your credit report, maybe as a result of the credit crunch back in 2008 or maybe you lost your job, suffered a drop in income or even a life changing event meant you couldn't keep up with your credit commitments. We all know getting a mortgage is not easy with defaults showing on your credit report but does that mean you can't get a mortgage at all? and should you be penalised forever? It makes sense that the lenders and rates available to you will depend on your personal situation and what is showing on your credit report.

read moreOur #1 priority is you, the user. Mortgage advice from your bank, building society will be limited to just the mortgages they sell and their criteria whilst advice from an Estate Agent may be restricted to small panel of lenders. This means they may not have access to the best mortgage for you so may not be giving you the best advice. There are thousands of mortgages available from a huge range of mortgage lenders so it makes sense to use Direct Mortgage Centre as Mortgage Brokerts Kent to search these lenders and find the best mortgage for you.

read moreA re-mortgage simply means changing your mortgage from one lender to another, you may want to do this for a number of reasons but the most common reason is to get a better rate of interest when your current fixed rate or tracker rates expires. It is quite common for clients to re-mortgage at the end of a special rate their current lender has offered as you will usually end up on what is known as the Standard Variable Rate, which usually means your mortgage payments will increase. For example, as at March 2015, the average standard variable rate is 4.49% but depending on circumstances you could switch to another lender and obtain a rate starting at 1.49%, as you can see that could be a substantial saving in your pocket each month.

read moreIf you are moving home, you generally have a few options. The chances are you already have a mortgage on your current home, if this is the case it is likely that your current lender will allow you to move this mortgage to your new property although do check as not all lenders allow this. If you do have a mortgage but are tied with redemption penalties, then it is most certainly best to move your mortgage to the new property to avoid paying the penalty. If you are not tied with redemption penalties then it's worth comparing the rest of the market against your current lender to make sure you are getting the best deal.