Do you want a great deal on your re-mortgage?
So, you’re at the end of your mortgage deal and you’re thinking ‘where did those years go?’ Or, you’ve nabbed some inspiration from Pinterest or DIY SOS and you’ve got a head full of ideas and a picture perfect moodboard. You’re good to go – but now need to finance it.
Perhaps you just want to change to obtain a better rate? Or, maybe you’re looking to reduce your mortgage term or fund a mortgage short-fall?
Re-mortgaging to a better deal can save you money each month, modernise your current home or raise money to tackle that growing ‘to-do list’. Some people also want to consolidate some debts into one manageable monthly payment. It can hard to navigate with more obstacles than you think. Beneco Financial Services are on hand to provide you with clear, honest professional advice to ensure you are always on the best deal.
Check your credit report
Check My File - The UK's Only Multi-Agency Credit Report
Try it FREE for 30 days, then £14.99 a month – you can cancel anytime
At Beneco Financial Services we can support you in obtaining an Islamic mortgage that is compliant with Sharia Law. These mortgages are not the same as traditional mortgages because they don’t involve paying interest. We’re one of a limited number of companies who has the permission from The Financial Conduct Authority to arrange Sharia Compliant Mortgages
For Customers with bad credit
It’s often possible to obtain a mortgage with a bad credit history, although the options available to you may be limited or not with the lender of your choosing. At Beneco Financial Services we have the experience of what lenders are looking for and what they will consider.
Self Employed & Sole Traders
Accounts for 2 years is preferred, but, If you have less than 2 years it could still be possible to obtain a mortgage. Most mortgage lenders will average your income but there are some lenders who consider your latest year figures. Also, there are lenders who could consider using your retained profit, salary and dividends, if you’re a Ltd company director and take a low salary and dividends but have a high retained profit.
At Beneco Financial Services, we can navigate the complexity that complex mortgages, self-employed/sole trader status and adverse credit history can bring to mortgage applications.