Your home is at risk if you fail to keep up payments on your mortgage or any other loan secured against it
Calling all teachers, barristers, pharmacists, chartered surveyors, doctors, pilots, dentists, solicitors, vets, actuaries, and accountants - do you know the benefits to you when you choose a professional mortgage through Lend 4 rather than apply for a standard mortgage somewhere elsewhere? A professional mortgage offers you lower interest rates on higher mortgage amounts with smaller deposits so that you can quickly and easily secure the home that you really want. Whether you're newly qualified or whether you've been practising for years, Lend 4's experienced and friendly team of professional mortgage brokers will negotiate the right deal for your personal circumstances.
For the self-employed, the mortgage market is a baffling place. And that's because, unless you successfully arrange mortgages for self-employed applicants every day like we do, it is confusing. For freelancers, sole traders, partners, and limited company directors, the Lend 4 self-employed mortgage team cuts right through the red tape to find you the very best deal on the market and on the most advantageous terms. Short trading history? Contact us. Established for years? Contact us. Low deposit? Contact us. Want to borrow a large amount? Contact us. Income vary from year to year? Contact us. Whatever you need from your next mortgage, start talking with Lend 4 today.
Lend 4 makes successfully applying for umbrella contractor mortgages and limited company contractor mortgages much easier. And it should be easy - did you know that contractors like you have been proven to be less at risk of defaulting on a mortgage because your income is higher and because your skillset and abilities mean you are usually always in demand? More and more providers are launching specialist contractor-only mortgage departments whose staff understand issues such as retained profits in your business, salary and dividend splits, and daily rates. Our contractor mortgage team have years of experience in arranging the most competitive mortgages on the best terms for clients - contact us to find out more.
Moving home? You'll have a lot more choices open to you on the mortgage for your new property. Why is that? It's because the deposit on your new home is likely to be a lot larger because you've been paying down your existing mortgage for a number of years and the value of your current home may have gone up at the same time. Many mortgage providers allow you to "port" your mortgage to your new home. Our team will compare whatever your current provider offers you with the latest packages on the market and, if it's a good deal, we'll say so. Give yourself the widest choice and the best chance of getting the lowest rates by speaking to the experienced and friendly advisors here at Lend 4.
Are you an ex-pat working or living abroad who wants to buy a property back in Britain? Whether you're seeking a mortgage for a buy-to-let investment, for a home you want to live in when you return, or for a second property, it's traditionally been very difficult to find a high street mortgage provider prepared to lend money at competitive rates. The number of ex-pat mortgage providers on the market is small but growing. By choosing the Lend 4 team, be confident that we'll work quickly and diligently with our panel of specialist lenders to provide you with a bespoke deal based upon the property you want to buy and upon your individual personal and financial circumstances.
By taking out an interest-only mortgage, homeowners enjoy both lower monthly repayments and a wide choice of different types of investment vehicles to pay back the capital over time. If you try getting this type of mortgage on the High Street though, you'll be very lucky. In fact, very few mortgage providers offer interest-only mortgages anymore but, here at Lend 4, we have our very own specialist panel of interest-only mortgage lenders eager to work with borrowers like you. Working with our team, you'll receive advice and support throughout the entire application process and you'll get access to the very best interest-only mortgage rate deals.
Large Loan / HNW
Lend 4’s senior advisors have a long and proven track record of successfully sourcing and securing large mortgages for our clients who wish to purchase property either here in the UK or overseas. Through our panel of specialist lenders, we have access to both standard and non-standard high-value mortgage deals which offer you real flexibility on how your income is calculated and on the type of assets you can use as security on your mortgage. Even if you have been previously turned down for a large mortgage, we recommend that you take advantage of a confidential appraisal with one of our senior advisors.
For over a decade, the interest offered on traditional savings accounts has been very poor – well below the level of inflation. Many homeowners are now finding that the best way to maximise their return on savings is through an offset mortgage. With an offset mortgage, the interest repayments you make are based on the amount you owe minus however much you have in your linked savings account. So, if your mortgage has £300,000 left on it and you had linked savings of £100,000, you'd only pay interest on the remaining £200,000. Offset mortgages can save borrowers significant amounts of money on the interest they’d otherwise pay. You can even pay off your mortgage early depending on how much you have in your linked savings account. Contact Lend 4's offset mortgage advisors for a personalised example.
First Time Buyer
Getting onto the property ladder for the first time in your life is both an exciting and scary time. The mortgage market can seem incredibly complex to someone who's never applied for one before. Don't worry - the Lend 4 first time buyers team are here to help. You'll have many questions which our advisors will be happy to help you with including what deals are available for you with the deposit you have and how much money you can actually borrow on a mortgage. If you need it, we're experienced with Help To Buy schemes, shared ownership schemes, and guarantor plans. We'll explain all mortgage jargon in layman’s terms and we'll help you figure out what type of mortgage (fixed, tracker, discount, capped) is ideal for you and your financial situation.
Want to reduce your monthly mortgage repayments? Or are you wanting to switch to a mortgage that's more flexible and which reflects your personal and financial circumstances as they are now? Or has your home risen significantly in value and you want to release some of the equity in your property? Sometimes, the mortgage we took out a few years ago just isn't right for us anymore and it can really pay to switch to a new provider on a new deal. If you're near the end of your current mortgage deal and you want to know what options are available to you right now, contact Lend 4. Our advisors will find you the best offers currently on the market and they’ll advice you on whether those deals deliver the benefits you really want.