mortgage solutions

Residential Mortgages

TEL: 01623 666 123

cowens mortgage solutions

First time buyers

Have you been dreaming about owning a home but don’t know where to start? it’s finally time to make it happen. You’ve done all the research, so now it’s just about finding the right lender for you.

Getting onto the property ladder can seem like an unfamiliar and confusing process, so Cowens can help take the stress away. When buying your first home, it’s important that you get expert advice from someone who understands the intricacies of the process. Let us take care of all the paperwork so you don’t have to worry about it. We’ll be with you every step of the way to make sure that buying your first home goes as smoothly and calmly as possible.

Contact us to speak to an experienced and trusted mortgage adviser today, who can answer any questions you may have to secure your first home!

Moving home

Moving home is very exciting however we can all be guilty of getting carried away with the excitement, only to realise that buying or selling your house can be one of the most stressful experiences of your life.  Not only do you need to find the right property you also need to find the right buyer too. Let us help reduce stress where we can, by helping you find the right lender and give you peace of mind that your finances will be in order when you find the right property.

Contact us to speak to an experienced and trusted mortgage adviser today, who can answer any questions you may have to secure your dream home!

Remortgages

Which mortgage should you take out? The answer may depend on your circumstances and your needs, but no matter what you decide, it’s always worth considering all of your options first. There are many different mortgages available, with rates that can vary significantly. A whole of market mortgage adviser lets you keep an eye on all of the mortgage deals available across the UK, potentially saving you thousands of pounds over the life of your mortgage. You might look to remortgage as your circumstances may have changed, to secure a more competitive interest rate, to borrow additional funds or consolidate debt.

Let us help find the best deal for you now.

Who knows what the future may hold? What we do know is our whole of market coverage enables us to source the right mortgage for you based on your personal circumstances both now and in the future.

Contact us to speak to an experienced and trusted mortgage adviser today, who can answer any questions you may have to get the right mortgage for you!

If you are considering remortgaging for the purpose of consolidating debt, you should think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with repayments on a mortgage or any other debt secured on it.

Self Employed

Self-employment offers flexibility in the type of work you do and how often you earn money, but it can also be challenging when it comes to proving your income and savings. Mortgage lenders have different standards they use to assess your financial situation.

The benefit of working with Cowens is that we have experience of sourcing mortgages for all categories of self-employed people whether you have been in business for 12 months or 12 years. We are aware of the intricacies when it comes to demonstrating affordability and sustainability to find the right deal for you.

Contact us to speak to an experienced and trusted mortgage adviser today, who can answer any questions you may have to get the right mortgage for you!

Adverse Credit

You may think that having a bad credit history might limit your options or even stop you obtaining a mortgage.

A bad credit history may not be the end of the world, but it can feel like it when talking to a high street bank. There are lenders in the market who we work with who specialise in adverse credit mortgages who may offer a solution for you. So don’t panic, speak to an expert today and get your finances back on track soon!

Click here to speak to an experienced and trusted mortgage adviser today, who can answer any questions you may have about adverse credit and adverse mortgage options!

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