Axess Financial Services

First time buyer

Both status and self certification
Up to 95% purchase price
Higher the deposit lower the rate
Up to 5x income multiples
Special deals for professionals
Fixed and tracker rates
Exclusive products
Adverse credit

Those who have never owned a property or not had a mortgage in the last 3 years. Mortgage up to 95% may be available however the number of lenders available at that level is small since the credit crunch.

Those who may not have sufficient income can use a guarantor, normally a parent to provide surety against the loan.

Special deals are available for those in a profession, or those that are newly graduated (from a recognised University in the last 5 years).

Call us on 020 82398812 to discuss your options

Use our Lender comparison service to find the best deal

Latest Rates

Get a Decision

Calculators

Additional infor
Mortgage Handbook
Income
Employment history
Costs
Conveyancy
Credit score
Guarantors
Lease or Freehold
Professional
Staircasing
Taxation
Tenancy - in common or joint


Home	Homemovers
Adverse credit	Both status and self certification Up to 85% purchase price Higher the deposit lower the rate Up to 5x income multiples Fixed and tracker rates Exclusive products Adverse credit Those who are selling their current property and moving to a new property. Homemovers are expected to use equity from their current property to put down a larger deposit. However, in the current climate with the fall in property value this may not be possible. Another option is not to sell the current property, but rent it and buy a new property. This is then called a Let to Buy mortgage. In this sitution the let property needs to be converted to a Buy to let mortgage. The criteria for Let to Buy is different to a sell and purchase. Technically you are only allowed one residential mortgage at a time. Use our Lender comparison service to find the best deal
Buy to Let		Latest Rates
Capital raising		Get a Decision
Equity Release		Calculators
Ex-pats		Compare lenders
Foreign Nats
First time buyer		Additional infor Mortgage Handbook Income Employment history Costs Conveyancy Credit score Guarantors Lease or Freehold Professional Staircasing Taxation Tenancy - in common or joint
Homemovers
Key person
Let to Buy
Remortgages
Right to Buy
Self build
Shared Ownership
Self certification

Home

Remortgages

Adverse credit

Both status and self certification
Up to 95% purchase price
Higher the deposit lower the rate
Up to 5x income multiples
Special deals for professionals
Fixed and tracker rates
Exclusive products
Adverse credit

Remortgage - to change to another lender to obtain better mortgage deal/ rate or raise capital from any equity in the property.
Changing rate within same lender is termed product transfer. Raising capital with same lender is termed further advance.

Use our Lender comparison service to find the best deal

Latest Rates

Get a Decision

Calculators

Additional infor
Mortgage Handbook
Income
Employment history
Costs
Conveyancy
Credit score
Guarantors
Lease or Freehold
Professional
Staircasing
Taxation
Tenancy - in common or joint


Home	Capital Raising
Adverse credit	Both status and self certification Up to 95% purchase price Higher the deposit lower the rate Up to 5x income multiples Special deals for professionals Fixed and tracker rates Exclusive products Adverse credit If there is sufficient equity in your property, it is possible to borrow additional capital for other purposes. These could be paying off debts (credit cards, car loans, personal loans), refurbishing your property (new kitchen, bathroom, extensios) or even investing in another property. What is not allowed is using raised money to pay business taxes or gambling debts. Capital raising is normally carried out through a remortgage or a further advance. Use our Lender comparison service to find the best deal
Buy to Let		Latest Rates
Capital raising		Get a Decision
Equity Release		Calculators
Ex-pats		Compare lenders
Foreign Nats
First time buyer		Additional infor Mortgage Handbook Capital raising for any purpose. Conveyancy Credit score Guarantors Lease or Freehold Professional Staircasing Taxation Tenancy - in common or joint
Homemovers
Key person
Let to Buy
Remortgages
Right to Buy
Self build
Shared Ownership
Self certification