Mortgage advice
Mortgage advice for where you are now
Every mortgage decision starts with your circumstances and plans. Choose the situation closest to yours, or get in touch and Charlene will help you work out where to begin.
Your home may be repossessed if you do not keep up repayments on your mortgage.
How mortgage advice works
A mortgage adviser looks at your income, outgoings, credit history, deposit or equity and future plans, then explains which types of mortgage could suit you and why.
Advice is more than finding a rate. It includes thinking about the overall cost, fees, how long you want a deal for, early repayment charges and what might change in your life during the mortgage.
What usually happens
- An initial conversation about what you want to achieve.
- Gathering details of your circumstances and documents.
- An explanation of suitable options, including costs and limitations.
- Support with the application through to completion.
Fees and costs
Lenders, solicitors and surveyors may all charge fees. Details of how LNK Mortgages is paid are on the fees page, and Charlene will explain any costs before you decide to proceed.
Common questions
Do I need a mortgage adviser?
You don't have to use one. An adviser can help you understand options, lender criteria and costs, which many people find useful for an important long-term commitment.
How much can I borrow?
It depends on your income, commitments, credit history, deposit and each lender's own affordability assessment. Charlene can give you an informed indication once she understands your circumstances.
Related advice
First-time buyers
Understand deposits, affordability and each step towards your first home.
Find out moreMoving home
Compare porting your current deal with taking out a new mortgage.
Find out moreRemortgaging
Review your options before your current deal comes to an end.
Find out moreBuy-to-let
Talk through rental income, lender criteria and the costs of letting.
Find out moreCommercial mortgages
Finance for business premises and investment property.
Find out moreResidential mortgages
An overview of mortgages for the home you live in.
Find out moreReady to talk it through?
Send an enquiry and Charlene will get in touch to understand your plans and explain what the next steps could look like.