Introducing the New Appleton Mortgages Website
Appleton Mortgages, a trusted name in mortgage and protection services based in Harlow, is thrilled
13 November 2024
We have a team on hand, waiting to help you. Enquire today and see how we can help!
Look no further! Our dedicated team of mortgage advisers is here to guide you through every step of the mortgage process, ensuring you make informed decisions tailored to your financial needs.
Our Mortgage Services
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How We Work
We have a team on hand, waiting to help you. Enquire today about how we can help.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
A first-time buyer mortgage is a home loan designed for people purchasing their first property. It typically requires a smaller deposit, often as low as 5%, and in some cases, you may even find options with no deposit at all
There’s no individual rate of stamp duty for towns and cities in the UK, the rates just vary from nation to nation as outlined below:
As of now, first-time buyers in England and Northern Ireland benefit from the following stamp duty relief:
In Scotland, first-time buyers pay the Land and Buildings Transaction Tax (LBTT), with a tax-free threshold of £175,000. Any amount above this is subject to tax rates starting from 2%.
In Wales, the Land Transaction Tax (LTT) applies, and first-time buyers only pay tax on properties priced over £180,000. There is currently no specific relief for first-time buyers in Wales, but the tax structure is similar to that of Scotland.
If you already own 4 or more properties, or have the ambition to build your portfolio, there are now additional regulatory requirements for lenders to factor in to their assessments. The regulation is not prescriptive but some examples include the lender’s relationship with the borrower, how much experience the borrower has as a landlord and a view of the borrower’s overall property portfolio.
We will:
A home mover mortgage is a type of loan for people who are moving to a new home. This includes those who are selling their current property as well as those who want to keep it, turning it into a buy-to-let (BTL) investment or gifting it to their children. If you’re moving, you can use the money from selling your old home as a deposit for your new one.
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
One fun fact about Enfield is that it is the birthplace of the famous British sports car, the Aston Martin. The company was founded in 1913 by Lionel Martin and Robert Bamford, with the first car produced being the Aston Martin “Coal Scuttle,” built in a small workshop in the area. While Aston Martin has since moved its operations, this legacy adds a touch of automotive history to Enfield!
Appleton Mortgages, a trusted name in mortgage and protection services based in Harlow, is thrilled
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £295
Your home may be repossessed if you do not keep up repayments on your mortgage.
Appleton Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Appleton Mortgage Limited,85 Great Portland Street, London, England, W1W 7LT. Registered Company Number: 15807713.Registered in England & Wales/Northern Ireland/Ireland/Scotland.