Considering applying for a mortgage?

First Time Buyer mortgage

Thinking of buying your first home?

It can be quite a daunting proposition. Where do you start? Do you have enough deposit? Will your parents need to help with a springboard type mortgage or being a guarantor? Can I use my Help to Buy or Lifetime ISA? How much can I borrow? The questions can be mind boggling and endless.

Here at Durant & Co, we will be here every step of the way, making sure that you know what is happening in the process, and what to expect next. We will search the market and find you the best product for you and your needs, leaving you to get on with the exciting things, like planning your decorating or scoping out the local bars and restaurants.

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Remortgage / Moving Home

We advise you on the best

re-mortgaging options

Many of us are looking for a better mortgage deal or would like to release some of the equity in our home to help with that loft conversion or other home project, maybe gift a deposit to our children to help them get on the property ladder, or maybe just to consolidate some debts to potentially reduce your monthly outgoings, but it isn’t always as straightforward as it may first appear.

Checking the terms and conditions of your existing mortgage, we will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. Once this is established, we will then undertake some research, and find you the right mortgage on the market at the time. You can then decide if it is worth switching to a different rate or staying until the end of your fixed term period.

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BUY TO LET

Invest into the residential property market

Buying a BTL property is proving to be an ever-popular way in recent years to invest into the residential property market. Whether that’s to bring in a small income in retirement, or just to supplement your monthly income, more and more of us are doing it.

Speak to Durant & Co today, to see if, and how equity release can help you.

Durant & Co work alongside a range of BTL lenders who specialise in everything from First Time landlords, to portfolio landlords. Most Buy to Let mortgages are not regulated by the FCA.

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SECOND CHARGES

What is a second charge?

Here at Durant & Co we work with a multitude of Second Charge & Bridging lenders, but what is a second charge?​

A second charge mortgage allows you to use any equity you have in your home as security against another loan. It means you will have two mortgages on your home. Equity is the percentage of your property owned outright by you, which is the value of the home minus any mortgage owed on it.

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COMMERCIAL MORTGAGE

What is commercial mortgage?

Durant & Co are proud to work along multiple lenders to offer Commercial Mortgages. But what is a Commercial Mortgage?

A Commercial Mortgage is a loan secured on a property that isn’t used for residential purposes, for example, a factory unit, or office unit.

Commercial lending is not regulated by the FCA

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EQUITY RELEASE

We advise you on the best

re-mortgaging options

Equity release is becoming more and more popular with the over 55’s, with the equity release market lending reaching almost £4billion in 2018 according to a study from the Equity Release Council, with more people releasing equity from their properties for many reasons, and a vast variety of products on the market, the demand for equity release is ever increasing, with people using the equity release on things like new car, house conversions or helping their children and grandchildren on the property ladder by providing them with a deposit. 

Speak to Durant & Co today, to see if, and how equity release can help you.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage. 

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