Blackheath Mortgage
Property Finance Choices
Facilitating your access to the right financial resources at optimal rates and with swift processing for your house purchase, remortgage, or business ventures.
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About Property Finance Choices
Welcome to Property Finance Choices, your trusted mortgage broker, here to assist you in making informed decisions for your property financing needs. Whether you are a first-time homebuyer, looking to remortgage, or seeking investment opportunities, we are dedicated to providing personalised solutions tailored to your unique financial circumstances.
At Property Finance Choices, we understand that navigating the complex world of mortgages can be overwhelming and time-consuming. Our team of experienced and qualified mortgage advisors is here to simplify the process for you. We take the stress out of finding the right mortgage by offering expert guidance and a wide range of services to suit your requirements.
Our commitment to transparency and customer satisfaction sets us apart. As independent mortgage brokers, we work with a diverse panel of lenders, ensuring you have access to a comprehensive selection of mortgage products, including fixed-rate, variable-rate, and specialised mortgages. With our assistance, you can compare rates, terms, and features to secure the most competitive and suitable deal for your needs.
Specialist Local Mortgage Broker
A Decision in Principle (DIP), also known as an Agreement in Principle (AIP) or Mortgage in Principle (MIP), is a document or statement provided by a mortgage lender that indicates how much they are willing to lend you based on an initial assessment of your financial situation. While it is not a guarantee that you will be approved for a mortgage, it serves several important purposes and benefits for potential homebuyers:
Get your Free Decision in Principle certificate hereRange of Lenders
Access to a whole range of lenders providing you the most competitive offers.
Dedicated Case Handler
Have just one point of contact to ensure a smooth process.
No hidden costs!
We charge a one time application fee and we sometimes receive commission from a 3rd party lender with full transparency.
Local Expert Guidance
We have been working in this local area for more than 5+ years we understand all the local market trends providing you the best service.
Mortgage Enquiry
Residential Mortgages | HMO | BTL | Refinance | Bridging Finance | Development Finance
Want to start viewing properties?
If you wish to start viewing properties you must first get a Decision in principle this is to show that you can financially afford it. Simply fill in a short 10 minute form below to have a certificate emailed to you.
We are Looking for Introducers.
We are always on the hunt for new people to refer us clients in return we offer a high referral fee which your own ability to track the applications in real time.
The Application Process
Compare and Check
Let us compare the latest mortgage deals for you over the phone, or do it yourself in real-time online using our online application portal.
Apply Online
You won't have to tell us any info twice, we'll keep it and put it in the form so you can check it and apply by phone or online.
Track and Complete
Track your application online 24/7. We'll even appoint a dedicated case manager who'll do all the legwork for you. We will keep you updated every step of the way all the way up until completion.
Voted Blackheath's Trusted Mortgage Broker 5 Years in a row!
Our Partners
We are an independent Estate and Lettings agent in the South East and we are experts in our local property market.
When you work with Cluttons, you tap into a team of highly motivated property specialists, each one bringing their own expertise and experience to the task of realising your property vision.
Maskells was founded in 1965 by Tim Maskell and is woven into the very fabric of The Royal Borough.
Everything we do is personal and bespoke. We bring people and property together, something we have been doing for 150 years.
Diligent and trustworthy professionals work to create and maintain a business that strives to provide innovative real estate solutions to our clients at a local, national and international level.
We know what it takes to deliver success for our clients. It’s really quite simple: it’s a combination of what we do and how we do it.
Frequently Asked Questions
The shortest mortgages have terms of 2-3 years, but these tend to be rare and used in particular scenarios. At the other end of the scale, it is sometimes possible to have 40-year mortgages, but these tend to be offered to mainstream borrowers with good income looking to maximise what they can borrow, rather than the norm for high-net-worth individuals.
For high-net-worth individuals, mortgages with terms of 5 to 25 years are typical, although mortgages in the 5-to-15-year range tend to be the most usual.
An interest-only mortgage is when you effectively pay your lender the interest on the amount you borrowed, but you don’t make repayments on the principal loan amount. At term, this means you have repaid the borrower the interest you owe, but the principal remains outstanding, and you will need to repay it. Interest-only mortgages are relatively rare these days and are generally only offered to high-net-worth individuals who will easily be able to repay the principal amount at term.
Repayment mortgages are the most common type of mortgage today. Here, you will make monthly repayments to your lender, repaying both the capital and interest each month over the loan term.
A fixed-rate mortgage refers to the fact that the interest rate agreed with your lender will not change for the loan term.
With a variable-rate mortgage, the interest that you pay will reflect a specific base rate (e.g., SONIA), with a fixed percentage added on top. Your mortgage will follow the base rate, effectively rising and falling in line with any changes to the base rate over the course of the loan term.
Blackheath Mortgage Broker - Our Services
Property Finance Choices are professional mortgage brokers founded in 2022 with more than 25+ years experience across the team.
We have access to all lenders including high street banks, multinational private banks, specialist lenders and funds, private offices and high net-worth investors.
Our Core Services Are:
– Buy to Let Mortgages (for single properties, portfolios and multi-unit blocks)
– Bridging Finance (1st and 2nd charge for residential or commercial properties)
– Development Finance (for high-value single units, multi-unit blocks, commercial property including offices, hotels, retail, student accommodation and PRS)
– Developer Exit Loans (to refinance recently completed development schemes)
– Commercial Mortgages (offices, retail, hotels, restaurants, for investment or owner occupation)
– Borrowers can be personal names or Ltd company / corporate structures and UK or overseas nationals
– Our core business is in London, but we cover all of the UK and also arrange finance for European real estate
– Remortgaging finance to match your needs and achieve a better rate
– Working with HNW Individuals and Companies to acquire and source exclusive funding
We also provide advice around all forms of insurance to pay out in the event of an accident, illness, injury or death to make sure you and your family are protected against whatever life throws your way.
We also provide advice around all forms of insurance to pay out in the event of an accident, illness, injury or death to make sure you and your family are protected against whatever life throws your way.
Blogs
Guide to the UK Mortgage Market
Guide to the UK Mortgage Market The UK mortgage market can seem complex, especially for first-time buyers or those unfamiliar with the intricacies of the financial sector. This guide provides a comprehensive overview to help you navigate the landscape effectively. 1. Understanding Mortgages A mortgage is a loan specifically designed
Fixed-Rate vs. Variable-Rate Mortgages in the UK
Fixed-Rate vs. Variable-Rate Mortgages in the UK When considering a mortgage in the UK, one of the primary decisions is choosing between a fixed-rate and a variable-rate mortgage. Both have distinct features, advantages, and potential drawbacks. Understanding these can help you make an informed decision that aligns with your financial
Understanding UK Mortgage Regulations
Navigating the UK mortgage market requires a thorough understanding of the regulations that govern it. The Financial Conduct Authority (FCA) oversees mortgage lending practices to ensure fairness, transparency, and consumer protection. Key regulations include affordability assessments, which mandate that lenders evaluate a borrower’s ability to repay the loan under different