Mortgages

If you are paying your current lenders standard variable rate then you may be spending far too much on your monthly mortgage payments.

The Mortgage Market is extremely competitive these days, and most lenders are willing to offer considerable discounts on their normal rates in order to attract your custom. Many of these lenders even offer to pay all of the legal* and valuation* fees in order to make the move over to them as painless as possible.

Easypay Mortgages have access to the whole of the market for mortgages, and are able to recommend mortgage products for your particular circumstances.

Whether you want to protect yourself from possible future interest rate rises, or simply find the most competitive mortgage available for your circumstances, fill in our short online enquiry form.

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*subject to individual circumstances. This may increase the total cost of your mortgage.

Self-certification mortgages are designed for individuals who are unable to prove their income by reference to payslips or business accounts.

Usually, self-employed individuals present their accounts as proof of their earnings and where the business has been established for more than three years, you should be able to apply for a standard mortgage.

If this is not possible, then it is possible that you can apply for a self-certification mortgage.

Employed individuals that derive much of their income from overtime, commission and bonuses will also find self-certification useful in obtaining the mortgage they need, as many lenders will not consider this type of income at its full value when calculating how much they would be willing to lend.

We have access to many lenders offering self-certification mortgages. Fill in our online form and we will contact you shortly to discuss your individual requirements.

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For self certification mortgages, the overall cost for comparison is 8.2% APR . Actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct as of 28/03/08.

At Easypay Mortgages we have access to many lenders that specialise in providing mortgages for people with a difficult credit history.

Many people experience financial difficulties through no fault of their own. Quite often these problems are caused by redundancy, divorce, illness or losing a business. 

We help people in all situations, including those who have been refused a mortgage due to problems such as county court judgements, mortgage arrears, bad credit rating, previous bankruptcy other credit problems.

If you have been turned down for a mortgage by a High Street lender take comfort as you are not alone. 

Easypay Mortgages have access to a wide range of lenders specialising in all levels of adverse credit history. Fill in our short online form and we will contact you to discuss how we can help find the right mortgage for you.

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For adverse mortgages, the overall cost for comparison is 9.2% APR - actual rate available will depend on your circumstances.Please ask for a personalised illustration. Rate correct as of 28/03/08

With an interest only mortgage your monthly payments are made up only of interest.

Interest only mortgages are particularly attractive to people purchasing property to rent out. By keeping the mortgage payment as low as possible the rental income produces a surplus of cash which can be used to cushion the impact of the occasional time when the property is between tenants. When the property is eventually sold, the borrower benefits from the growth in the properties value over the years. (Subject to capital gains tax)

We have access to many lenders offering interest only mortgages, including a number of exclusive schemes. Fill in our online form and we will contact you shortly to discuss your individual requirements.

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In todays housing market, houses are often priced beyond that which a young buyer might be able to afford with a mortgage based solely on their own income. A Guarantor Mortgage is often the answer to this ever increasing problem.

In order to obtain a Guarantor Mortgage a close relative - a parent for instance, can act as guarantor, and agree to cover the loan in the event that that you are unable to for any reason.

The lender will of course take the guarantors, as well as your own financial circumstances into consideration when deciding whether to grant the loan.

It is important that any potential guarantor seeks legal advice before entering a guarantor agreement, in order to ensure that they are fully aware of their legal responsibilities.

Easypay Mortgages have access to a wide range of lenders that provide mortgages on a guarantor basis, and are happy to recommend mortgage products for your particular circumstances.

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A Buy To Let Mortgage is one which is taken out in order to purchase a property to rent out to tenants. In determining whether to provide the required mortgage the lender will calculate whether the return in rent is sufficient to cover the mortgage secured on the property.

At Easypay we have access to a large number of lenders that provide this type of mortgage. Let us search the market to find an appropriate competitive mortgage to recommend that fits in with your own circumstances.

We have a large variety of mortgages available including many market leading rates.

Contact Easypay Mortgages now for fast advice in finding your ideal Buy To Let Mortgage.

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The FSA does not regulate most Buy to Let mortgages