Services

Your home may be repossessed if you do not keep up repayments on your mortgage

OUR PROCESS

We make it as simple as we can.

GET IN TOUCH

Get in touch with me via telephone, email or through my website.

TALK TO ME

Have a little chat with me and we can talk about what your plans are and how I can help.

FIND THE SOLUTION

We can work together to find the best solution for you and put the plan into action.

WHAT WE DO

We offer a wide range of advice and services.

Help to Buy Scheme

With my expert knowledge of both of the Help to Buy schemes I can offer free Initial whole of market advice, as well as guide you through the scheme and purchase process.

Mortgage Advice

At Your Mortgage Specialist I provide all clients my personal expert assistance to ensure the very best outcome for you with your mortgage reviewal in all areas.

Buy to Let Advice

Whether you are looking to complete your first Buy to Let purchase, or are well on your way to building a sizeable portfolio, we can help.

Shared Equity Advice

I will search the market for all shared equity mortgage products available and complete all of the paperwork with you.

HELP TO BUY SCHEME

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.

The Help to Buy initiative was introduced by the UK government in April 2013 to allow first time buyers and home movers to purchase a new home with a 5% deposit.

Scotland followed with its own Help to Buy Scheme in September 2013 and a nationwide Help to Buy Mortgage Guarantee Scheme which launched in October 2013.

Having already helped over 10,000 first time buyers and home movers, the schemes are proving extremely popular. With my expert knowledge of both of the Help to Buy schemes I can offer free initial whole of market advice, as well as guide you through the scheme and purchase process.
As part of my service I will ensure the most appropriate solution is secured for you. Because you deal with me from start to finish I will complete the application forms on your behalf, and work with local government agents to ensure that your home buying process is as smooth as possible.

Help to Buy Equity Loan Scheme
The Help to Buy Equity Loan scheme is available on new build properties from participating home builders and offers an interest rate as low as 2.34%. A minimum of a 5% deposit is required in order to receive a 20% equity loan from the government, followed by a 75% mortgage from a qualified lender.
Unlike other shared equity schemes, you will retain 100% ownership of your home. In England the equity loan from the government will be interest free for the first 5 years. After year 5, a 1.75% fee is payable which will rise alongside RPI inflation, plus 1% annually. In Scotland the equity loan remains interest free for the duration of the loan.

Help to Buy Mortgage Guarantee Scheme
The Help to Buy Mortgage Guarantee scheme is the second phase of the government scheme that was launched in October. This scheme gives both first time buyers and home movers access to 95% mortgages, 15% of which will be guaranteed by the government. Both new builds and existing properties are included in this phase of the scheme.
To apply for Help to Buy, or if you are interested in finding out more, please contact us using our enquiry form, email or call me directly on 0141 887 8233 (Option1).

Expert Remortgage Advice

Think carefully before securing any debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

As an experienced property owner you will no doubt understand that small differences in rate can have a big impact on your repayments.

You will want to make sure you get the most suitable remortgage advice possible, ensuring you get suitable mortgage advice when looking for that next deal.
At Your Mortgage Specialist, I provide all clients my personal expert assistance to ensure the most appropriate outcome for you with your mortgage reviewal in all areas. This can be just ensuring the most suitable new product to reduce your costs each month, or it could include all or some of the following additional requirements: Debt Consolidation, Home Improvements, Repaying your Mortgage Faster, or releasing capital to buy another property, or to help your child/children purchase their first home.

Unlike basic comparison sites, I do everything for you from start to finish, and will tailor your remortgage to fit your own personal circumstances. In addition I will complete all of the remortgage paperwork with you, dealing with the lenders, solicitors and surveyors throughout the process, to make sure everything goes as smoothly as possible.

With a wealth of experience in dealing with remortgages, and a high quality personal service, I invite you to discover for yourself why small is great, to deal with me personally for your remortgage requirements. In many cases I do not even have to move my clients to another lender, if your existing lender is still more suited for your requirements we will secure the relevant product for you with them if applicable.

Exclusive Fixed, Tracker and Discounted remortgage rates
While interest rates remain at record low levels there are some fantastic Discount, Fixed and Tracker rate remortgage offers to be had on the remortgage markets.

There’s even better news for Your Mortgage Specialist clients. Not only are we able to provide remortgage deals with the leading UK mortgage lenders but we are also able to source and present Exclusive mortgage deals that are secured by our network Intrinsic Mortgage Planning further enhancing our opportunities to secure not just all lender deals available but present many that are exclusive to us for our clients.
Whether you’re looking to fix your rate to protect against future interest rate rises, or are simply looking for a better deal, our suitable service ensures you don’t pay any more than you have to on your mortgage.

Contact Your Mortgage Specialist today and see just how much our suitable remortgage advice can save you

THE BEST MORTGAGE DEAL FOR YOUR NEW HOME

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.

As an existing home owner you’ll understand how small differences in rate can have a major impact on your repayments and that it pays to get suitable whole of the market mortgage advice.

And with over 3,000 mortgage products available and many more being released on a daily basis by most top High Street lenders it’s very easy to be misled by these offers which often come with hidden charges or conditions that could be costly in the long term.

That’s why it pays to deal with someone who is an expert in every type of home move mortgage with the promise to find you the best and most suitable deal for you. Unlike basic comparison sites, I will also highlight all the costs of your mortgage (not just the headline rate) and will tailor your mortgage to fit your own exact circumstances. I will then complete all the paperwork for you dealing with the lender throughout to make sure everything goes smoothly from start to finish.

Leading Mortgage Rates
Now that the housing markets are on the up again it’s a great time to be moving. With interest rates remaining at a record low there are many fantastic Discount, Fixed and Tracker rate mortgage offers to be had making that move far more affordable than might have been previously possible. Add to this our Exclusive mortgage products which are just for members of the Intrinsic mortgage network across the UK, I will undoubtedly secure the right mortgage for you ever time.

Contact Your Mortgage Specialist today and see just how much our suitable remortgage advice can save you.

BUY TO LET MORTGAGE ADVICE

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.

The Financial Conduct Authority does not regulate Buy to Let Mortgages.

Whether you are looking to complete your first Buy to Let purchase, or are well on your way to building a sizeable portfolio, we at Your Mortgage Specialist understand that in any commercial enterprise every penny counts when you are trying to make a profit.

That’s why you will appreciate having an adviser with over 26 years experience in the mortgage industry offering to work with you to ensure you are approved for the mortgage that suits for you every time with every property you are buying to let. Sourcing and presenting the right option is only the start I will also complete all the paperwork for you, deal with the lenders, solicitors and surveyors throughout the process. Buy to Let can be complex and time consuming that is why we charge a fee of between £195 and £395 to cover all that extra time we spend on Buy to Let cases as we appreciate how important they are to our new and existing clients.

In addition to everything else I do for you I also further enhance this by having access to Exclusice deals that are not available to the public, another great benefit to our Buy to Let borrowers.

When it comes to Buy to Let our very best endeavours will hopefully make you feel extra special on completion of our service ensuring you won’t consider looking anywhere else for all your mortgage needs.

Unbeatable Buy To Let mortgage deals…
As interest rates remain at record low levels there are many attractive Discount, Fixed and Tracker rate buy to let mortgage offers to be had, which is great news for the buy to let investor.
Combine this with the Exclusive deals we have available every day you are assured the most suitable deal we can get from all sources every time.

Contact Your Mortgage Specialist today and see just how much our suitable remortgage advice can save you.

SHARED EQUITY MORTGAGE ADVICE

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.

To help buyers get onto the property ladder, many New Home Builders and Housing Associations now offer shared equity schemes, allowing more people to purchase their own home with only a 5% deposit.

With shared equity schemes the Builder or Housing Association provides an equity loan (often interest free for the first 5 years) between 10% -25%, meaning you only need to raise a mortgage of between 90% and 75%, while getting 100% ownership of your home; and, because you’ll have a smaller mortgage than you would have needed otherwise, your mortgage repayments will be lower too.

An example of how Shared Equity works:

  • You purchase a new build home where the builder is offering Shared Equity on an 85/15 split
  • The full price of the home is £150,000
  • You require a 5% deposit (£7,500) to qualify for the scheme
  • The builder provides an “equity loan” of 15% (£22,500)
  • You then need a mortgage for 80% of the full purchase price (£120,000)
  • Often you will pay no interest on the equity 15% equity loan for between 5 and 10 years
  • You will own 100% of the property and can pay back the builder when you sell the home
  • You can pay back the equity loan at any time without penalty
  • I of course will personally support you from start to finish, ensuring you have all the assistance required to make your new home purchase as easy as possible. I will search the market for all shared equity mortgage products available and complete all of the paperwork with you. I also deal with the lender, solicitor and surveyor throughout the process, to ensure your home purchase is completed as smoothly as possible.

In addition to shared equity, we can also advise you on other available schemes, such as the New Buy, Mi New Home and the Help to Buy scheme, all which only require a 5% deposit to purchase a home.

Contact Your Mortgage Specialist today and see just how much our suitable remortgage advice can save you.

NEW BUILD MORTGAGE ADVICE

Your home may be repossessed if you do not keep up repayments on your mortgage

Buying a New Build home can be an exciting time, and an appealing route to take given the many offers being promoted, including shared equity, part exchange, and Government incentives, such as Help to Buy.

With so many great schemes and incentives, new home buyers are often overwhelmed by the number of options to choose from. That’s why it’s important to get suitable advice, making sure you are aware of all the choices made available from various builders.
At Your Mortgage Specialist, we have great experience in providing industry leading services and strive to simplify a process that can be both complex and involved. That’s why it is so beneficial for you to know you are dealing with a mortgage specialist who will take care of all your needs through the entire New Build purchase process. I then assure you will benefit from best choice of mortgages for a New Build, and ensure you are comfortable with the applicable incentives available.
I will also be on hand to work in close partnership with surveyors, solicitors, the builders and estate agent if applicable throughout the entire mortgage process, to provide tailored mortgage services to you, making things as straight forward as possible.

Exclusive 95% New Build Mortgages
There are a number of options currently available to those looking to buy a New Build home, including the Help to Buy Equity Loan Scheme, which can allow you to buy a home with as little as a 5% deposit, whilst retaining 100% home ownership.
With the introduction of the Help to Buy schemes, being able to purchase your first home with a deposit as low as 5%, has proved extremely popular with first time buyers, helping many take that all important step onto the property ladder.
As a result, many lenders are recognising its success and are actively supporting the scheme and coupled with mortgage rates at an all-time low, there are some very attractive 95% mortgages tailored specifically for New Build properties.
If you are interested in buying a New Build home, or simply would like more information from an suitable source, speak to me today to learn more about your options. I will talk through what is right for your personal circumstances, finding you the mortgage to suit your needs.

100% RIGHT TO BUY MORTGAGES

Your home may be repossessed if you do not keep up repayments on your mortgage

If you have been living in your council property for at least two years, it’s likely that you will have the opportunity to purchase your home at a discounted price.

For many, this is a better long term option than renting, and as there is a discount applied to the purchase price this means you would potentially have no additional deposit required to purchase your own house. I am skilled in right to buy mortgages, and will provide you with tailored advice from the widest possible choice of top High Street lenders, and a few alternate specialist lenders if required.
Even better news is that Your Mortgage Specialist, will complete all the paperwork for your mortgage and assist with the right to buy application, dealing with your appointed solicitor and the lenders at every stage of the process to ensure everything goes smoothly from start to finish.

Your Mortgage Specialist, are able to obtain a number of exclusive rates and deals with High Street lenders, which are only available to our clients. When such a small difference in rate can have such a big impact on your monthly payments, it’s important to make sure you really are getting the best rate.

CONTRACTOR MORTGAGES & 0 HOURS EMPLOYEES

Your home may be repossessed if you do not keep up repayments on your mortgage

As a contractor you may feel that your options are limited when it comes to applying for a mortgage and you would be correct.

Typically, there may be increased challenges when compared to those who are employed on a permanent basis, but it is still possible, and it is important not to let those challenges prevent you from buying your first home.
I am skilled in assisting zero hour contract employees, or contract based employees, and will help you overcome challenges that you, as a contractor, may face if possible. We offer whole of market mortgage advice, and can even offer mortgage deals that are exclusively available through Your Mortgage Specialist, and Intrinsic who we are appointed representatives of. These exclusive deals and our specialist contractor mortgage experience are imperative in ensuring that you will always get the most suitable mortgage available to you.
When it comes to mortgages for contractors, requirements such as minimum daily rates and the length of your contract vary across lenders. We will work with you to ensure that if a lender option is available for your case, we will find the most appropriate lender and mortgage type for your particular circumstances addressing any queries you may have on the way.

Applying for a Contractor Mortgage
At Your Mortgage Specialist, I take you through the whole mortgage or remortgage process. We will also explore all options available right from the initial application, including home buying schemes such as Help to Buy, Mi New Home and Shared Equity. As part of our service, we will also handle all of the paperwork, while liaising with solicitors, estate agents and surveyors at each stage of the process.

Specialist Mortgage Requirements (Referral Only)

Think carefully before securing any debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

The Financial Conduct Authority does not regulate Commercial Mortgages, Bridging Loans and Second Charge Mortgages.

We’re happy to help in any way we can.

Bridging Loans: Can be invaluable when things are not straightforward for your purchase of Residential Property, Semi-Commercial or Commercial Property this can include things like Auction Purchase, Commercial Lending, Chain Break in Purchase, Non Status Capital Raising, Self Build or Conversions. Our ability to assist clients with more complex case requests allows us to refer you on to our Specialist Lending Broker Partners who will help you with short term solutions to your buying issues at the best rates available.

Second Charge Mortgages: An option for clients who may be in Fixed Rate deals with high redemption penalties, wishing to capital raise to start new business, pay off Debt Management Schemes,
Create deposit for another purchase, want to stay with existing prime lender but have had adverse credit in recent past stopping further borrowing from own lender, recently self employed and many other
Situations that require capital that is not available from your lender or other high street lenders.

Commercial Mortgage: To assist our clients our specialist lending support brokers will also assist with obtaining the most suitable commercial mortgage possible for your purpose. This can be shorter term loan deals, longer term loan deals, land purchase, semi-commercial, full commercial and buy to let portfolios, purchase and refinance, interest only and repayment mortgage, owner occupied, short term leasehold and purchasde against bricks and mortar or good will value.

Development Finance: In addition to the other specialist areas our referral partners offer assistance there is also assistance for Development Finance and an example of the areas they can help are New Build and Conversions, Single unit or Multi Unit, Houses, Flats, property with a commercial element, change of use, regulated self-build and acquisition and completion of part built developments.

If any of these apply to you complete our enquiry form and we will get back to you before making a formal introduction to our recommended specialist mortgage broker partners.
Costs and Fees may apply all of which will be made clear at outset by the specialist brokers at outset for their service.

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YOUR MORTGAGE SPECIALIST

I offer new and existing clients a personal service from start to finish by ensuring your mortgage is secured professionally and as swiftly as possible.

© 2019 Your Mortgage Specialist ltd.

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Your Mortgage Specialist Limited is an Appointed Representative of Intrinsic Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited is entered on the FCA Register (http://www.fca.org.uk/register) under reference 440718.

Your Mortgage Specialist Limited Registered in Scotland, under Company No: SC523383. Registered Address: Office 18 St James Business Centre, Linwood Road, Paisley, Renfrewshire, United Kingdom, PA3 3AT

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.