Can I Get a Second Mortgage in Derby?

Can I take out a Second Mortgage? | MoneymanTV

Can you have more than one mortgage?

The idea of having one mortgage can stress people out, never mind two! That said, some people weren’t aware that it was possible to have two or more mortgages.

Many various costs come with a second mortgage, and there are many different reasons why someone might want more than one mortgage.

Common Scenarios for Wanting a Second Mortgage

  1. Do you want a second mortgage to raise money for your existing home?
  2. Are you looking to rent out your current home and purchase a new one?
  3. Are you looking to help your children out with a second mortgage?
  4. Do you require a buy to let mortgage to secure a property in Derby?
  5. Is your name on an existing mortgage, and you are looking to buy a new property?

Second Mortgage to Raise Money

If you have a large amount of equity built up in your home and are looking to release some to fund for a second mortgage to purchase a new home, home improvements or on another property for your portfolio.

Then this is something an experienced mortgage advice team in Derby, like ourselves, can look into for you.

You’ll often find towards the back end of your mortgage that you will be heading onto or potentially already are on a lender’s Standard Variable Rate (SVR).

Our team of advisors may be able to shop around to find you a more competitive deal. Another potential option could be an advance with your current lender.

Second Mortgage to Rent out Existing Home to Purchase a new one

If you are looking into the possibility of moving house but securing full ownership of your current property to let it out, this is another case where having a second mortgage would be suitable.

Your second mortgage will be a new residential one, taken out on a property after raising funds from renting out the previous home. This particular process is known as a let to buy mortgage.

Second Mortgage for a Buy to Let

Some homeowners may look to release the equity sitting in their property, using that income to buy an additional property to add to their portfolio.

Second Mortgage to Purchase a Home for Your Children

We are now seeing more situations where a homeowner may wish to take out a remortgage to release equity to gift their child a substantial deposit.

Gifted deposits are a widely popular option for many first time buyers in Derby who otherwise wouldn’t have gotten on the property ladder any other way.

Named on Existing Mortgage and Want to buy a new Home

A second mortgage may apply to other circumstances, such as financial complications present with a divorce or separation.

You may not always be able to get out of your joint mortgage straight away, if at all, but may wish to take out a mortgage on a home of your own once you’ve moved out.

If you have any questions regarding second mortgages, please do not hesitate to get in touch.

You can now book yourself in for a free mortgage appointment to speak with a dedicated mortgage advisor in Derby at a time that suits you and your lifestyle.

8 Factors to Help you Decide Where to Locate in Derby

Moving home mortgage advice in Derby

When considering ‘where to live in Derby’, there are many things you will look for. House hunting as a first-time buyer in Derby or as a home mover in Derby can be daunting. You will be looking at mortgage arrangements and the best mortgage deal available for you, and your finances for your new home. 

By now, you probably have a rough idea of where you may like to live, the type of house you would like. You will be considering the location, amenities and how much you get for your money. But how to decide which area you would like to live in? 

We’ve put together a few points to consider when choosing where to locate in Derby.

Things to consider when moving home to Derby

1. Where to live, Derby city centre or countryside

Depending on where you decide to locate in Derby will be one of the most critical factors. You will have to think about whether you want a city location or looking for a more countryside setting.

You need to consider this carefully, as the area will affect the commute to work, access to local amenities, shops and schools.

2. Transport links

We all generally have to consider some factors, such as how we get to work for many people. So access to primary transport links, railway or bus station, and motorway links will be necessary, especially if you don’t have your mode of transportation.

3. Schools, colleges

For those with children, an essential factor is usually the quality of the school in the area. There are some great schools in Derby, and it’s always worth taking a look at the school league tables if you have any doubts on which school to let your children attend.

4. Local amenities

What you are looking for in the area may differ depending on your lifestyle. Some of the things you may consider are the proximity of the nearest supermarkets, shops and maybe how close you are to the emergency facilities.

We recommend you make a shortlist, what you need and what you would like near you as a priority. When you find a house you are interested in, you can then compare it with your ‘wish list’ and see if it matches your needs.

5. Family & friends

Depending on your circumstances, this is a personal choice on whether you need additional support with the children, help with school runs and childcare. So it may also be that you would like to be in as close proximity to them as possible, or at least just a short distance away so that it’s possible to visit if you wish to do so.

6. Value for money

When you choose the ideal home, you need to set aside how far your money will go and what you get in a home for the amount of money you spend. So you may need to compromise on what you are can within your price range and budget.

7. Local community

Some tend to keep to themselves, and others prefer being part of a community. For best results, look at local websites or take a visit beforehand to get to know locals who will inform you on current events and what’s available

8. House prices – long term

Maybe you are purchasing a property having long term investment ideas and, as such, hope the property prices rise, on the off chance that you choose to sell in the future.

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Sole Name Mortgage Advice for Married Applicants

Several reasons can warrant why someone would apply for a mortgage as a sole name mortgage while married. Sometimes a sole name mortgage can be more suitable than a joint mortgage for one of these reasons below: 

???? One applicant has a low income. 
???? One applicant is not working.  
???? Your partner has poor credit. 
???? Your partner already has a residential mortgage.  
???? You are using a deposit from your servings. 
???? You want to retain certain stamp duty benefits. 
 

These are just some of the reasons to take out a sole mortgage when you are married. In any case, you must prepare your application to improve your odds of approval. Our Mortgage Advisors in Derby are here to guide you through your mortgage application. 

Applying for a sole mortgage when you’re married 

You’ll need to take a tactful approach if you want to apply for a mortgage as a sole applicant. It’s all about getting a great deal to match your circumstances. 

Your reason for getting a mortgage in one name is an essential factor for our mortgage advisors in Derby to understand. For instance, if you don’t wish to apply for a joint mortgage because your partner has bad credit, you may find that you’re able to get a joint mortgage even if one applicant has bad credit. If your partner earns little or no income, there may be lenders willing to place you both on the mortgage.  

On the other hand, if you want to purchase in your sole name for personal reasons, some lenders might be likely to approve of you. Most lenders are not comfortable with this arrangement because you are purchasing a marital home for you and your partner. As permanent residents, lenders prefer both partners to be on the mortgage. To help avoid potential conflicts in the future regarding who can and cannot live in the property. 

Looking for a mortgage while a divorce goes through

Divorce & Separation Mortgage Advice | MoneymanTV

If you are separating from your partner or going through a divorce, it makes perfect sense to look for a mortgage in one name while still married. One possibility is to buy your partner’s share of the property from them and in doing so, removing them entirely from the mortgage. 

There are several mortgage options under these circumstances. Furthermore, there can be many different scenarios regarding divorce and separation. You may be moving out and buying an entirely new home, or you may be staying put and buying your partner out. Nevertheless, both situations would warrant a new mortgage. 

Divorce and separation can be straightforward if both parties are amicable. If the relationship has turned sour, it can make things a lot more complicated. As there are so many different options and variables here, consult our advisors who can provide you with a more tailored answer regarding your circumstances. Lenders may ask for evidence of separation, so do have all your paperwork to hand before applying with a lender. Our mortgage advisors in Derby will also check this before the application stage. 

Mortgage advisors for married applicants 

Getting the right advice before applying for a mortgage is very important, especially if you’re married but want to get a mortgage in one name. 

Being married and applying for a mortgage as a sole applicant will need specialist mortgage advice in Derby. As a result, our mortgage advisors’ expertise in derby might be able to help. Make an enquiry to get started today. 

How to Make an Offer on a Property in Derby?

Making an offer on a property in Derby

If you are a first-time buyer in Derby who is looking at properties, you may see a certain one that catches your eye and will make you want to put forward an offer. Placing a proposal is a factor in the mortgage process which is just as important as any other step in the mortgage process and needs to get approached carefully.

Whilst you’re looking at properties and wanting to make an offer, you need to remember that other applicants will be searching the market simultaneously, which makes it so as you need to put yourself ahead of the game. It would help if you made it to give yourself the best chances of getting your offer accepted.

If you do have your eye on a property and you have everything organised – you’ll never beat a cash buyer even if their offer is slightly less than the one you proposed as they there will be fewer complications involved with their process. But luckily, there are not many apparent cash buyers in contemporary settings.

A mortgage agreement in principle

What is an Agreement in Principle? | MoneymanTV

The best thing that will help increase your chances is to prove you’re able to be organised. The first step is to send your mortgage agreement in principle to your estate agent. If other applicants haven’t already sent theirs off, then it will make it so as you are further along in the process. If your case is straightforward, we may offer ‘same day service’ for this documentation.

As is always the case, buying a house is a negotiation process. If the first offer in which you make is accepted, then chances are you offered too much. More often than not, if your first offer gets rejected. There is no need to worry because you will get asked whether you want to increase your initial request after this. Meaning you can offer less in the first instance – so don’t be afraid.

If your second offer goes on to get rejected, sometimes it just means you will get left with the sole option of paying the original asking price, which happens mostly if the property is relatively new to the market. In some cases, you have to walk away and find somewhere else.

Competitive prices

Some property websites such as Zoopla and Rightmove let you see the sold prices to inform you or whether the asking price looks similar to those around it. The data shown on these kinds of websites is obtained from the land registry so you can rest assured it is valid. However, some houses do sell lower than others surrounding them, but there will be reasons for this.

If they are getting sold lower than you expected, some houses can sometimes be down to such reasons as being repossessed, sold to a sitting tenant at a discounted price or it was an inter-family sale.

If you’re stuck on making an offer, we are happy to advise you on how to go about this as part of our service, so please feel free to get in touch.

Mortgage Advice in Derby

How Much Deposit Do I Need for a Mortgage in Derby?

How Much Deposit do I need? | MoneymanTV

The era of 100% and 125% mortgages are now long gone. Now that the credit crunch is but a distant memory, lenders are becoming more confident with their lending, offering more prominent bands of mortgages such as 95%. Using these more significant deals, lenders can maintain the comfort of knowing you have something to lose, should your situation change and you are unable to keep monthly repayments.

It is notably quite challenging to save up for a deposit for many people and thus be a barrier to entering the property market. When customers get in touch, we often find that we receive many questions about deposits. Below we have answered some of them for you.

Is it better to put down more than 5% deposit for a mortgage?

The more deposit you put down, the lower the lender’s interest rate might be able to offer you. Because, in the lender’s eyes, you pose less of a risk if they lend to you. So the bigger your deposit, the less expensive band you receive. An example of this is if you put down a 5% deposit, you’ll get offered a 95% band.

Can I take out a personal loan for the deposit?

Under the right circumstances, it can be possible, though it’s limited. The lender will see the monthly payment as an additional credit commitment and grant you a smaller mortgage, rather than the bigger one you might have received had you not taken out a loan. Lenders do not look too kindly on this.

Do lenders accept gifted deposits for a mortgage?

Gifted deposits are common and get widely accepted in the mortgage industry. When going through the gifted deposit route, the person gifting must confirm that this doesn’t need to be paid back and is purely a gift.

You will need to present forms of ID and proof of funds for anti-money laundering. Gifted Deposits have been a godsend for the mortgage industry, and the market would look very different without them.

Evidencing the Deposit

For the sake of anti-money laundering, all applicants will need to provide bank statements to provide proof of how your funds have to get built up over time. For more extensive deposits, you will need to give the lender with detailed, documented evidence.

Let’s say you have sold a car. Then the amount you have sold it for needs to match the receipt you provide and the amount shown in your bank account. Depositing large amounts of cash can delay the application as the audit trail can be difficult for the lender to navigate. The longer the funds have been in your account, the easier it may all be.

If you are selling a property, then the Memorandum of Sale provided by the estate agent is your proof of funds.

Help to Buy equity loan and new build mortgages

It’s still a 5% minimum if you qualify for the Government’s Help to Buy scheme. It can then be further topped up to 25% via the equity loan, to help you obtain a lower rate mortgage. You must remember that if you opt for this, then the 20% deposit provided by the Government is a loan, not a gift, and will need to pay back.

Help to buy Equity Loan & Share Ownership | MoneymanTV

Buying as a sitting tenant/buying from a family member – do I need a deposit?

No, not always. If it is a genuine discounted purchase (say the house is worth £100,000 and you have been offered it for £90,000), then some lenders will accept the discount as your deposit. This can be very helpful if you have the Right to Buy from the local authority or another social landlord.

Mortgage Advice in Derby

How to Sell Your Home Quickly in Derby

When homeowners are looking to buy a new home for their family, they will likely need to sell the previous house. Equity that is released will be used as the deposit for a home move and can be topped up by savings or gifted deposits if necessary.

Regarding the purchase of a property, there is always a minimum that the seller is willing to accept. Something that could work in favour of the home buyer, on selling your home, the key thing that helps homes get sold is how you market it and present it to potential new buyers.

Sellers should never put forward an asking price over the average for the area. When working with an estate agent, they will likely push for a higher selling price.

Posting on sites like Zoopla and Rightmove is vital for home movers to sell their property, as it generates quick and easy viewings, with the potential of a sale coming around sooner rather than later. If you are getting no interest on your property, there is a chance it has got overvalued.

Some starter tips for selling a property in Derby

The best way to prepare for selling a home would be to get yourself in the mindset of a first-time buyer in Derby viewing a newly built property. What would appeal to them? What could entice them to make an offer? First impressions count, and you need to take advantage of this.

Washing your drive and mowing the lawn will show that the house is well looked after and be a possible indication that the inside is just as appealing. The same goes for any messy outdoor environments in either the front or back of the property, tidying up and even putting down a new doormat.

An important note to remember is that buyers may also be interested in viewing the garage and shed, so these are also places you must keep tidy. A simple reorganisation of items can make a space look big and appeal to someone who maybe needs somewhere for storage.

Maintenance Work

Also, make sure you have a maintained garden with brightly coloured flowers too. It will resonate with most viewers on their journey.

After you have tidied the outside, the next smart move would be to go around the house room by room, being meticulous with the removal of clutter and smell. Here are some other things to check:

– Cupboards and wardrobes should get seen to have lots of space.
– Kitchens and Bathrooms should show a lot of floor space.
– Rooms should be aired, with windows opened, good lighting and matching items such as bedding, towels.

When allowing home viewers to look around, it is essential to make sure they are relaxed, feel at home and have the freedom to look around. It will enable them to get a feel for the place.

With this in mind, it is probably best to have young children or pets away, though if it’s a family home, they are wanting and having kids around could show what their future end up.

Keep it clean

You also want to make sure that any viewers do not feel overcrowded, as they may feel pressured and could restrict talking amongst themselves if it’s a couple or family. It helps enhance the sense of space within your home, as with the freedom to walk around, and rooms will feel larger.

Good lighting helps dark rooms shine, so you should move all light blocking plants, open curtains and blinds should be left empty. Additionally, this also helps balance out the heat, ensuring it’s warm but not too warm that it’s uncomfortable. Despite the claim that ‘baking bread’ can help entice people, lingering smells should not be present.

The ultimate factor and selling point is how clean the property is, and it can help improved in a lot of ways, such as;

– Washing curtains.
– Cleaning all floors
– Wiping down walls and windows

Home maintenance also helps out, giving fresh coats of paint to walls and doors, making sure those doors open and close correctly, and fixtures like door and window handles are all wiped down and polished.

Moving Home Mortgage Advice in Derby

Lastly, remember that emotions are attached to buying a home. People buy from people, and if a buyer can relate to your experiences in the house, it will resonate with them and help them picture a future in the property, for example, if it’s a family home.

They are moving home in Derby to start a family. The seller needs to be the one to conduct the viewings, as it shows the viewer they are genuinely passionate about it.

How to Get a Mortgage Agreement in Principle in Derby?

What is an Agreement in Principle?

A Mortgage Agreement in Principle (AIP) is essentially a document which provides an insight to the written estimate you have received from a mortgage Lender. It proves you have a mortgage in place.

To the Estate Agent, it proves you are creditworthy as you have in theory, passed the lenders credit score. However, it is not a guarantee that you will definitely get a mortgage as a full application will require further background checks.

The value of a Mortgage Agreement in Principle

A Mortgage Agreement in Principle is not a guarantee that you will definitely get a mortgage as your full application will require further background checks (such as evidence of income) and a satisfactory valuation of the property itself.

However, it is a good idea to get one done at the earliest opportunity for the following reasons:

  1. Negotiating Power
  2. Avoiding Disappointment
  3. Knowing Your Limits

Negotiating power with a Mortgage Agreement in Principle

When you are ready to make an offer on a new home most Estate Agents will undertake due diligence and ask you to produce evidence that you have funds available to complete the purchase. This will take the form of bank statements and also an Agreement in Principle certificate that we can provide for you. Once you have provided them with all this documentation the Estate Agent will then normally stop marketing the property and put a “Sold” or “Sale Agreed” board up.

If you already have a Mortgage agreed before you make an offer you are making yourself appear as an attractive proposition as this proves you are not making an offer on a “whim”, you’ve thought about how you’re going to fund the purchase and do something about it. This might persuade a seller to accept an offer you put forward on their property underneath the asking price.

Avoid disappointment with a Mortgage Agreement in Principle

When it comes to buying a house some clients have always “put the cart before the horse”. They go full steam ahead and make an offer on a property without first checking that they can actually proceed. This can lead to terrible disappointment if the mortgage application fails. By that time they have really got their heart set on their new family home. This disappointment can be avoided by contacting us at an early stage. Sometimes there are things that are causing a mortgage to decline that can be overcome given a little time.

For example, there may be a niggling issue on your credit report, perhaps a disputed mobile phone bill which can be easily rectified. Maybe you thought you were on the Voter’s roll and you’re not – once again that can be sorted out given a few weeks.

Or maybe you can’t get a mortgage at all! But if that’s the case it’s better than you know now rather than mess people about and we’ll be able to tell you what you need to do to improve your credit-worthiness for the future.

Knowing your limits with a Mortgage Agreement in Principle

So you know you’ve got a good credit rating because you’ve never been turned down for credit, you’re registered on the Voter’s role and you’ve always made your credit card payments on time and this all good for getting your Mortgage application on its way but there are other potential problems you are yet to have to overcome.

For example, you could approach 10 different Lenders these days and get 10 different maximum mortgage amounts as they all calculate affordability in their own unique ways. If you’re self-employed it can be even harder for you as an applicant: some Lenders take your net profit, others your salary and divided whilst some others use your latest year, others an average over 3 years.

Knowing your borrowing limits is important as then you know for sure what your price range is. We’ll be able to advise you of the maximum mortgage available to you and together we’ll work out how much you can afford to pay back each month.

Our Mortgage Advisors in Derby are available for same-day appointments which is handy if you’re after a Mortgage Agreement in Principle and then you can proceed to make an offer on the property you have spotted. You will then be better placed than other people viewing the property as you have taken the next step already and the Estate Agent can put your offer down as a ‘qualified purchaser’. From this, you’re in a good position to proceed.

Which Property Survey in Derby? We’ll Help You Choose

What is a property survey?

When you have an offer accepted on a property your next job is to arrange a property survey. This will establish the condition of the property and ensure that it is worth what you are going to pay for it. If something is found on the survey you are then in a position by law to approach the seller to negotiate a price for the works required.

It’s mostly First Time Buyers in Derby that ask us “what is a property survey?”, we find that not many people have heard of them. Here we have detailed the types of property surveys and what are their differences.

Property survey types available

There are 3 main types of property survey available to you:

  1. Mortgage Valuation
  2. Homebuyer’s Report
  3. Full Structural Survey

Mortgage valuation

A basic valuation is the cheapest option and you will be required to have one of these before you receive your mortgage offer.  Please don’t confuse this with a full survey.  The mortgage valuation confirms to the lender that the property is worth at least what it is lending you.

Your mortgage lender may even offer you a free basic valuation as part of your deal.

A mortgage valuation will not highlight any repairs that are needed. However, it may point out any obvious defects and recommend that you investigate further.

Homebuyer’s report

A Homebuyer’s report will cover structural safety and highlights problems, including damp, as well as anything that doesn’t meet current building regulations. This kind of report will give you an independent report of your property by an expert.

To ensure you are not paying for two surveys it is advisable to ask the mortgage companies surveyor to carry out this report for you – it will usually take a couple of hours to complete.

Full structural survey

A Full Structural Survey is advisable for older properties and those of non-standard construction.

Depending on the property size and type – a full structural survey can take as long as a day to complete.

A full structural survey provides a detailed report on the condition of the property and highlights issues that should be investigated further before going ahead with the purchase, providing you with peace of mind about the condition of your property.

You can find a surveyor to carry out a Homebuyer’s report or building survey through the Royal Institution of Chartered Surveyors.

Buying as a Sitting Tenant in Derby

Sometimes we receive calls from tenants when they have been notified that landlords are considering selling their properties. For landlords, it is much easier for them to sell to their existing tenants rather than the open market. This leads to tenants being offered the “first refusal”, a chance to buy before the landlord takes it to an agent to sell.

Why is my landlord selling up?

The government has re-evaluated tax reliefs over the years, leading to many landlords paying more tax than before. This in turn has caused many of them sell their properties, something that is very common for amateur landlords. 

On the other hand, more serious investors often keep their properties, as they tend to view it as a long-term arrangement and a sound investment, despite legislative changes.

Why is it better for landlords to sell to sitting tenants?

There is a variety of reasons as to why a landlord might choose to sell their property to you rather than an estate agent.

1) They avoid paying commission with estate agents.
2) It avoids ‘loss of rent’ due to not having tenants in the residence until the sale goes through.
3) No refurb costs: If a tenant moves out then the property will have to be prepared for sale. With potential expenses needed to redecoration e.g. new flooring.

Advantages for you

Not only are there advantages to landlords but there are potential advantages to sitting tenants who are considering buying:

1) You know the property inside out if there are any faults, you’ll already be aware of them. No nasty surprises for you!
2) You won’t be caught up in a chain. You aren’t waiting for the owner of a property you’re after to finish their own process meaning a deal can be done faster.
3) Discounted price when purchasing. Given all the advantages listed above, it’s normal for a Landlord to sell to a sitting tenant at a discounted price. More commonly known as a ‘sale undervalue’.

Some lenders will allow discounts which are offered by the landlord as part of your deposit. If the price that is agreed turns out to be well below the open market value it may even be possible for a tenant not to have to put down any deposit at all.

Specialist Mortgage Advice in Derby

Contractor Mortgages and the Gig Economy in Derby

Contractor Mortgage Advice in Derby

The ‘gig economy’ has an ever-growing portion of the general public working within it. These people are working over short term contracts because of this it means they are not entitled to some benefits which employee’s might be such as sickness or holidays. The professions within this economy are varied ranging from both skilled and unskilled workers, with the highest percentage being in professional services.

Because of the basis of the gig economy, it’s marginally harder for these workers to get a mortgage as lenders perceive these people to be self-employed. If you’re working within this type of economy to give yourself an increased chance of gaining a mortgage is to build up a track record of self-employment. You’ll most likely need one year’s history to qualify for a mortgage unless your contract has gone on for a longer duration.

If a lender decides to view you as a sole trader you will then need to produce evidence of your net profit – this is the amount you have earned minus your expenses in which you may need an Accountant to help you with this.

If you have set up your own Limited Company then most Lenders will focus on the salary that you have paid yourself plus any dividends that are declared.

Flexibility

In contemporary times, Lenders are now becoming more flexible in the way they assess contract workers now that there are so apparent within the economy. If you have been operating this way for a while and are currently in a contract then they will consider your ‘day rate’ as a way to assess your income, depending on the industry.

The way in which Lenders will assess day rates will typically be that they will times the given rate by 5 then 46 weeks. They won’t include a full 52 weeks as Contract usually don’t work the full year and neither do they get paid holidays. This method works really well for IT contractors who tend to have a selection of contracts which they want to take.

Additionally, it is a good idea for any gig workers and self employed in Derby applicants to get organised ahead of time before they start the mortgage application process. Tax can be a bother, but lenders like to see a healthy level of sustainable earnings.

It’s also possible to get a mortgage on zero-hour contracts. Again, lenders will want 12 months’ earnings before you can apply and will consider taking an average of your earnings over a full year.

Contractor Mortgage Broker in Derby

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The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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