Contact

020 7953 7040
info@ccameron.co.uk

Charles Cameron & Associates
Blackfriars Foundry
154-156 Blackfriars Road
London SE1 8EN

Remortgages



What does a mortgage broker do?

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Whether you’re a first-time buyer, a landlord, or a homeowner looking to get a better deal or move home, arranging a mortgage can be a daunting experience.

That’s why it makes sense to use a mortgage broker.

Not only will they have the expertise and contacts to organise a mortgage tailored to your needs, but they can also act as a financial partner, advising you when times are good and navigating you safely through choppier waters (such as the present Covid-19 crisis).

The most obvious use for a mortgage broker is, unsurprisingly, to arrange a mortgage. If you use an independent broker like Charles Cameron, you’ll be guided through every part of the process.

The experts here at Charles Cameron can steer you away from deals that seem great but do not suit your circumstances, and towards ones that provide value over the whole term. Also, thanks to our years of experience in the mortgage sector, we’ll give you the inside track on the way each institution operates.

If you need a mortgage holiday, our advisors will help you work out how much your repayments will be when you start paying again and point you in the right direction to apply if you decide to.

Another area which can be tricky is remortgaging. Whether you’d like to borrow extra funds against your property or are looking to change your mortgage after your current deal expires, at Charles Cameron we’ll examine the options to ensure you get something that’s right for you. Importantly, we’ll advise on when is the right time to start the process, so you don’t end up on an expensive, standard variable rate (SVR).

Though mortgage applications fell at the start of the crisis, the market is reporting a surge of fresh applications since restrictions on home moving were lifted and remortgage applications are up. However, as you might expect, the situation isn’t straightforward. Where clients have been furloughed, institutions are still lending to both first-time buyers and existing homeowners, but they’re basing how much they lend on the furloughed income (not your regular salary). As the cap for this is £2,500, higher earners could be severely affected. If you’d like to look for a new mortgage, Charles Cameron will take you through the whole process, pointing out the pros and cons of doing so now and ensuring you get the best available mortgage product for your individual circumstances.

Whatever your circumstances, and whatever period you’re living through, we’re here to make sure you get a mortgage that’s perfect for you. Today. And tomorrow.

Want to learn more about how we can help you?

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