Services
We offer a range of services to meet the needs of our clients. We strive to ensure each individual receives expert and tailored advice on all things mortgages and protection.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
FTB
TY Mortgage provides first-time homebuyers with access to a range of mortgage options, so you can find the right loan that meets your needs.
Buy to Let
Our TY advisors are experts in this field, we understand the needs of investors and can provide a bespoke solution to meet your individual requirements.
Remortgaging
Our team of experienced specialists will work with you to find a plan that is tailored to your individual needs, no matter your financial situation.
Home Mover
TY Mortgages offers home mover mortgages to help you move into your dream home. We make it as simple as possible as possible for you to move.
Life Insurance
Having a life insurance policy ensures that if something were to happen to you, your loved ones would be provided for even if you are no longer there.
Shared Ownership & New Build
Whether you're a first-time buyer, looking to upsize, or take advantage of shared ownership, our experts are on hand to help make the process seamless and easy
Critical Illness Cover & Income Protection
With critical illness cover & income protection, you can be confident in knowing your financial wellbeing will be taken care of in times of uncertainty.
Buildings and Content Insurance
Buildings and contents insurance is an important purchase that you should not take lightly. Having the right cover in place offers peace of mind knowing you're protected
First Time Buyer
TY Mortgage provides first-time homebuyers with access to a range of mortgage options, so you can find the right loan that meets your needs. To help guide you through the process of obtaining a mortgage, here are some tips for first time buyers:
1) Check your credit score. Knowing what’s on your credit report will help you better understand where you stand in terms of getting approved for a mortgage loan.
2) Start saving early and make sure to have enough cash saved up when it comes to paying your deposit. The more money you can put down as a deposit, the higher the chances are of securing lower monthly payments.
3) Shop around for mortgage rates and compare what is available to you from different lenders before deciding which one to go with. TY Mortgage are on hand to compare the different options so you can find the most suitable rate for your situation.
4) Talk to a qualified financial adviser or mortgage broker like TY Mortgage Services who can help you understand all of the terms associated with your mortgage deal and any other costs that may come up during the process. We are able to answer any questions you may have along the way.
5) Understand all of the fees associated with getting a mortgage loan and make sure that you’re comfortable with them before committing to a deal. TY Mortgage will provide you with all the information you need when it comes to your mortgage, so that you can make an informed decision.
These tips can enable you to have a good foundation to commence your search for your perfect home and get the most out of the process. To learn more about how TY Mortgage Services can help find the right deal for you, get in touch. We look forward to helping you find the right mortgage for you!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Buy-to-let
TY Mortgages can help you make the most of the buy-to-let investment opportunity. As experts in this field, we understand the needs of investors and can provide a bespoke solution to meet your individual requirements.
We are here to guide you through every step of the process, from finding the right property to setting up your mortgage and managing your rental income.When choosing a buy-to-let mortgage, you will need to consider different criteria compared to an residential mortgage.
Generally, lenders will expect landlords to have a larger deposit and they will also look at the rental income of the property more closely than for owner occupied properties.
Typically, lenders require a deposit of 25% or more and you may be asked to show proof that your proposed rental income is 125% or higher than the monthly payments on the mortgage. This allows the lender to ensure that if interest rates rise in the future, you can still afford to make your repayments without any problems.
In order to protect your investment, in many cases most lenders will also want some kind of insurance cover for damage caused by tenants, as well as legal cover just in case any disputes arise.
At TY Mortgages, we understand that it can be confusing trying to work out the buy-to-let mortgage criteria and which lender is best for you. We are here to make this process much simpler – our team will help you find the right mortgage for your needs and guide you through every step of the way. Contact us today to discuss how we can help with your buy-to-let investment plans.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
Remortgaging
At TY Mortgages, we are dedicated to finding the right remortgage deal for you. Our team of experienced specialists will work with you to find a plan that is tailored to your individual needs, no matter what your financial situation or credit history may be. We understand how important it is for you to feel comfortable with your decision and have experienced advisers who can guide you through the process every step of the way. Plus, we guarantee complete privacy and confidentiality when it comes to discussing sensitive information during the application process.
We believe in taking the time to get an understanding of each of our customers in order to provide the best remortgage advice and service. We are committed to finding the right solution for your finances, no matter what stage of life you’re at or what kind of property you own. Whether you’re looking for a fixed rate, tracker rate or discounted mortgage deal, we have the experience and expertise to get it done quickly and efficiently.
At TY Mortgages, we are passionate about helping people find the right remortgage deal. With our friendly and knowledgeable team on-hand to provide expert advice. Contact us today to find out how we can help!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Home Mover
TY Mortgages offers home mover mortgages to help you move into your dream home. With our dedication for excellent customer service we make it as simple as possible for you to take the next step in your journey. Our friendly and knowledgeable team will be with you every step of the way from start to finish, guiding you through the process so that you can feel confident about making your move. Whether you’re a first-time buyer or looking to upgrade your existing property, TY Mortgages has something for everyone. Give us a call today and let us help you get ready to make your move!
At TY Mortgages we can tailor our advice and guidance on home mover mortgages to suit the requirements of each of our valued clients. We pride ourselves on providing our customers with honest advice and efficient service throughout the mortgage application process.
We understand that each of our customers have different needs and budgets, so we will carefully assess your circumstances before providing tailored advice to help you get the right deal for your new home. We also take great care in ensuring that all of our customers understand every step of their mortgage journey so that they can feel informed and comfortable making decisions about their finances.
Our team is on hand to answer any questions or queries you may have regarding securing a home mover mortgage. Contact us today to find out more!
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Life Insurance
Life insurance is a great way to provide for your family’s financial security in the event of an unexpected loss. Having a life insurance policy ensures that if something were to happen to you, your loved ones would be provided for even if you are no longer there. With so many options available, it can be hard to know which life insurance policy is right for you and your family. Don’t wait until it’s too late; make sure your family is protected today by investing in life insurance!
Shared Ownership & New Build
Shared ownership is becoming an increasingly popular way to get on the property ladder. It allows you to buy a share of a house, typically starting at 25%, with the remaining amount covered by a housing association or other lender. This means lower up-front costs and more manageable monthly payments. With shared ownership, you get all the advantages of owning your own home without having to pay for it all upfront. Plus, you have the option to increase your share in future if your finances improve. So why not take advantage of this great opportunity and start building equity in your own home today? The process is straightforward and our team can help you every step of the way so don’t hesitate – give us a call now! We’re here to make sure you have the information and support you need to make an informed decision about shared ownership, so don’t hesitate to get in touch with us for more advice. We understand that buying a home is one of the biggest decisions you’ll ever make and we’re committed to helping you every step of the way. From finding the perfect property to sorting out your finances and paperwork, our team is here for you – just give us a call! Shared ownership could be the key to unlocking homeownership for many people who may not otherwise be able to access it. So take advantage of this great opportunity today – contact us now and let’s get started on making your dream of homeownership a reality!
New Build
At TY Mortgages, we are experts in new build mortgages. Whether you’re a first-time buyer or looking to upsize, get in touch today and let us make the process easier for you. Our experienced team will work with you to identify and secure the most suitable financing options for your specific situation. Plus, with our industry knowledge and expertise. From start to finish, we are here to provide the guidance and support needed for a successful new build purchase experience. We provide a wide range of options and can help finance your new home. Our team of experienced mortgage advisors will take the time to explain all your options, from government schemes to traditional mortgages; so you can make an informed decision about which product is most suitable for you. With access to exclusive deals from leading lenders in the UK, we are confident that we can secure a competitive rate for you. We understand how important it is for our clients to feel comfortable with their purchase decisions. That’s why we have dedicated specialists who can answer any questions, guide you through the application process, and be there every step of the way until completion. So don’t wait – contact us today.
Critical Illness Cover & Income Protection
Critical illness insurance is designed to provide financial assistance when you, or someone in your family, are diagnosed with a serious medical condition like cancer, heart attack or stroke. It helps fill the gaps left behind by traditional health insurance plans and can help cover expenses related to treatments and recovery such as: medical costs not covered by existing insurance plans; lost wages due to extended absences from work; child care services while undergoing treatment; specialised equipment that may be required during recovery; and even everyday living costs.
Income Protection:
Income Protection insurance can provide you with peace of mind that your financial wellbeing will be taken care of in times of uncertainty. It offers a regular income if you are unable to work due to illness or injury. With the right income protection policy in place, you can continue to cover essential living costs such as mortgage payments and bills – providing reassurance and security when it matters most. Don’t let the unexpected put you in financial uncertainty – take control and get covered ensure you and your loved ones are protected today.
Buildings and Content Insurance
Buildings and contents insurance is an important purchase that you should not take lightly.
Having the right cover in place offers peace of mind, knowing that if something unexpected happens, you’re protected. At our company, we understand how important it is to have the right protection in place for your home – whether you own a property or rent one.
That’s why we recommend buildings and contents insurance policies that provide comprehensive coverage against damage, theft and other risks such as flooding or fire. This gives you the reassurance that all of your possessions are covered no matter what happens.
Our team will be more than happy to help guide you through this process and make sure you pick the right policy for your individual needs. We take the time to understand our customers’ unique requirements and provide tailored advice to ensure you get the right coverage for your needs.
Plus, with a range of flexible payment options available, we make it easy to get the insurance protection that’s right for you.