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The easing of restrictions and the roll-out of vaccines, means there’s more to feel positive about and that extends to the property sector.

Understandably, the last year or so has been particularly difficult, yet throughout this period both the property and mortgage sectors have been open for business.

And the ongoing environment of low interest rates means that there continues to be a desire by many to buy that first property, buy more properties or look at remortgaging the existing deal.

The desire may have been fuelled by many of us reassessing how (and where) we live, in light of our changing working patterns and lifestyle choices. However, the impact of the pandemic has meant that it will be more problematic for some to raise the mortgage funds they need.

If you have a sound income stream, decent credit rating and want to borrow a lower percentage against the value of the property, then there may be fewer hoops to jump through. Although, even here it’s still important that you take advice.

Here at Asset Harbour we have qualified mortgage advisors that can help with whatever mortgage product you are looking for, as we emerge from the COVID pandemic.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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