Specialist Mortgages
Buying a house will most likely be the biggest purchase you ever make. Not everyone fulfils the basic criteria for a new mortgage and needs a specific product. Let us ease the stress and help you along the way.
Need a Specialist Mortgage? Speak to an independent mortgage adviser on 01772 749 011
Foster Carer Mortgages
Foster Carers usually find getting a mortgage hard. Many lenders choose not to accept fostering allowances towards income for mortgage applications.
This makes things especially difficult if their sole income comes via their fostering allowance.
Farms & Homes with Agricultural Ties
At Castle Financial, we understand the circumstances surrounding agricultural mortgages. We can help obtain the right mortgage package for farmland, farm buildings and other businesses e.g. rental cottages, farm shops and split titles.
Properties in Scotland
Buying a property in Scotland is different. Scottish mortgages and the process sound different from South of the border but it works perfectly well.
The basics of buying & selling a property don’t really differ, the main thing is the timing of the point at which the contract becomes legal. This is usually much earlier in Scotland than in England.
Holiday Let Mortgages
There are plenty of finance options available for people requiring a holiday let mortgage. Speak to one of out mortgage advisers to discuss the options on offer for holiday let mortgages.
A new property used as a holiday rental home can be a good investment. However, there are plenty of facts to consider before getting a mortgage for holiday lets.
Expat Mortgages
Castle Financial deal with expats from Britain who wish to purchase a property in the UK whilst still working overseas. Castle Financial can also help expats from overseas, who live & work in the UK, and would like to buy a property. The usual High Street Lenders choose not to deal with the expat mortgages. Usually expats are considered higher risk, in reality, our experience allows us to place your case with lenders are adept at dealing with expat finances. In general expats are highly paid professionals who are actually a lower than average risk.
Commercial Mortgages
Castle Financial specialise in mortgages not only for private clients, but also for commercial customers. We have a broad knowledge of the commercial mortgage marketplace. This means that we can push to get your mortgage deal at a rate suited to your business.
Consumer Buy to Lets for first time landlords
Castle Financial will consider all circumstances, including Buy to let for those with adverse credit.
Buy to let mortgages are for people who aren’t living in the property, but are renting it out to provide an investment income.
Semi-Commercial Mortgages
Some people look to buy a property which is both residential and commercial. In such cases you require a Semi-Commercial Mortgage. Simple examples of mixed use properties would be a pub with a residential living area for the landlord, a flat above a shop guest houses with owners accommodation.
Buy to Let Mortgages for Portfolio Landlords
What is a portfolio landlord? The general consideration is a borrower with four or more Buy to Let properties they rent out in the UK.
Additional information
This can include a number of things e.g holiday lets, a property owned via a limited company and in general any Buy to Let mortgage owned solely or jointly by the person(s).We also have to take into account consent to let properties.
A portfolio landlord would be required to have at least two years experience of letting property.
