Mortgages We Offer
From first time buyer mortgages and buy to let mortgages through to portfolio landlord mortgages and development mortgages, we offer the full range of mortgages here at Avail Mortgages, and we’ll be only too happy to help you with yours.
Purchase/Home Mover Mortgages
When moving home, you can either transfer your current mortgage over to your new property – called a porting mortgage – or find a new deal altogether by remortgaging with your existing lender or a different one.
First Time Buyer Mortgages
There’s nothing more exciting than owning your first home. From repayment, interest-only, fixed-rate and variable mortgages, we’ll help you choose the right first time buyer mortage deal for you.
Whether you’re looking to remortgage to reduce your loan-to-value for a better rate, remortgaging for a better interest rate, remortgaging for a more flexible deal or wish to consolidate debt, we’ll have a wealth of remortgaging services to choose from.
Buy To Let Mortgages
Are you a landlord looking to expand your property portfolio? From the mortgage fees and deposit through to the interest rate and taxes including Capital Gains Tax and Income Tax, we’ll help you navigate it all.
Bad/Adverse Credit Mortgages
Have a credit problem? Stuck in arrears? Have defaults, county court judgements (CCJs), debt management plans or have been made bankrupt in the past 6 years? Whatever your personal situation, don’t worry, you can still get a bad credit mortgage to help you get on the property ladder.
Portfolio Landlord Mortgages
Portfolio landlords are mortgage loan borrowers with 4 or more mortgaged Buy to Let rental properties. A single mortgage lender across a property portfolio can simplify finances in many ways, as they’ll only be one monthly payment.
Debt Consolidation Mortgages
A debt consolidation loan turns debt payments (such as those caused by credit cards, store cards, overdrafts and loans) into one payment. Offering lower interest rates and available in two forms: secured and unsecured, we can help you find the right debt consolidation mortgage loan for you.
Help To Buy
The Help to Buy mortgage scheme means first time buyers and home movers that also qualify for the scheme only need to put down 5% of a home’s value for a deposit. The government will provide 20% (up to 40% in London), and a mortgage lender – 75%. The government loan means you borrow less from the mortgage provider, giving you a wider range of mortgage rates to choose from because your loan-to-value ratio is lower.
Bridging Loans & Short Term Lending
Want to purchase your new home but there’s a gap between the sale and completion dates of your current one? Bridging loans give customers short-term access to money at a high rate of interest.
Aimed at businesses that are looking to purchase a property or to release value from an existing building which could then be invested into the business. We offer both fixed rate commercial mortgages and variable rate commercial mortgages.
Property Development Mortgages
Whether you’re looking to develop a multi-unit block of flats, apartments, turn plots of land into multiple houses or establish the most advanced offices around, our development mortgages comprise great mortgage loans, finance rates and mortgage terms.
High Net Worth Mortgages
Should you earn over £300,000 per year or have net assets of at least £3 million (as defined by the Financial Conduct Authority), a high net worth mortgage can provide bespoke rates for clients with more accessible funds.
Ltd Company Buy To Let Mortgages
Want to own property through your limited company? Then, you’ll need a Ltd Company Buy To Let mortgage. We work alongside tax professionals to ensure that this is a tax-efficient endeavour.
New Build Mortgages
We understand the appeal of new build properties: the NHBC 10-year certificate for defect protection, and a choice of fittings and finishes, for starters. With a new build mortgage, you can secure your new property, and may also be eligible for the Help To Buy scheme too.
Second Charges/Further Borrowing
A second charge mortgage allows you to use any equity you have in your home as security against another loan. Effectively you have two mortgages on your property. With fair mortgage advice, affordable mortgage lending and provision of mortgage loans, we’ll see you right, and do right by you too.