Whether you are buying your first mortgage or looking to free up funds by remortgaging, make sure that you choose assistance from advisors with your best interests at heart. At Greengrass Mortgages & Finance, in Birmingham, West Midlands, we are a small firm that offers a personal service. We are extremely flexible in regards to your needs, circumstances, and requirements, so you will always receive a unique, individual service. Covering mortgages, remortgages and buy-to-let mortgages, we work with many lenders in the market, ensuring we secure the most competitive rates for our clients.
We will work hard for your mortgage application to run smoothly. To help us with this and increase your chances of being accepted for a mortgage, we will ask you to gather recent payslips, evidence of any bonuses or overtime, any tax credits, maternity/paternity pay, state benefits and recent bank statements. It is important we work out how much you can afford monthly to repay your mortgage in addition to unforeseen expenses.
Contact us now for more information about receiving our assistance with mortgages and remortgages.
Committing to you
A long-term relationship is what we aim to build with you. The foundation of this relationship is our Service Commitment - to understand and exceed your expectations. Our Service Commitment sets out the standards that our customers can expect from Greengrass Mortgages & Finance and that we demand of ourselves.
Getting onto the property ladder is a difficult and painstaking task, but once you are living in your own home, it will all be worthwhile. At Greengrass Mortgages & Finance, we are able to secure our clients a selection of low-deposit first-time-buyer mortgages from different lenders. Throughout the process, we will make sure that everything is explained fully and clearly, without the jargon.
Many people in search of a mortgage are planning on purchasing a property and immediately letting it out. In this situation, you will require a buy-to-let mortgage. Although we follow the same process, a few additional details are worth considering, including the likely rental income of the property, which allows you to plan ahead financially. For current landlords who are looking to expand their portfolio, it may be worth considering remortgaging another of your properties to release equity and fund a deposit for the new home.
Whether you are financing the construction of an extension or funding your dream holiday, remortgaging your home is an option. Remortgaging is essentially paying off one mortgage with proceeds from a new one, with leftover money then available to provide additional finance you need. Prior to finding the best remortgage for you, we will ensure every aspect of the process is discussed in full, and that you are explicitly aware of how much you are able to borrow.
You are not limited to a small selection of offers and you will always find the most suitable mortgage for your needs and circumstances. We always keep your best interests at heart, with all advice taking your protection needs into account as well as your financial parameters. This is our personal duty of care to our clients.