Mortgage Broker Chichester

Are you buying a home in Chichester? Are you thinking of remortgaging your existing property? Are you looking to raise finance for other projects? Our expert mortgage advisors will guide you through the maze of product choice, explain the pros and cons of each option and recommend the best mortgage deal.

Remortgaging your property means switching your existing mortgage to a new deal or a new lender, using the same property as security. Has your fixed term ended and you’re now looking for the best available deal? Are you looking to secure funds for a major home improvement or to buy a second property? Do you need to consolidate debt? Contact us for mortgage advice.

If you are planning to become a private landlord in Chichester and are looking for a suitable rental property to buy, a Consumer BTL Mortgage may be your best option. It is regulated as a residential mortgage and offers significant consumer protection, however you will need to satisfy additional lending criteria and affordability calculations. Get in touch to find out more.

Professional landlords with a BTL property portfolio looking for finance will need a Commercial Buy-To-Let Mortgage. This type of product is not regulated by the Financial Conduct Authority, which makes it a very different proposition to a residential mortgage. John Whyte can advise on suitable Commercial BTL Mortgages for your needs.

A Second Charge on your property relies on the equity built up in your home to be used as security for a second mortgage on the same property. In some instances, this can be preferable to a remortgage, but it’s a very complex area and not a decision that you should take without professional mortgage advice.

If you wish to take out a mortgage when you’re of retirement age, a Later Life Mortgage may be the right choice. You will need to meet income-based affordability criteria which could come from earned income, pensions income or savings income. We can provide expert professional advice for equity release plans and Later Life Mortgages in Chichester.

A RIO Mortgage is similar to a standard fixed term interest-only mortgage except there is no set fixed term. Instead, the loan is repayable when the property is sold, either when you sell it, you go into long-term care or you pass away. John Whyte is an experienced independent equity release broker in Chichester and ideally placed to help you make the best decision.

Did you know there are thousands of mortgage products available in the market place? With such a wealth of choice, comparing the market and identifying the right product to suit your particular circumstances is a mammoth task that you would struggle with on your own. We have systems and processes in place to cover the market quickly and methodically, plus a thorough knowledge of the mortgage market to navigate to a short list of products that meet your criteria.

Working with John Whyte means you have a seasoned expert by your side to ensure your application has the best chance of succeeding.

Whatever mortgage product you choose, we will guide you through everything you need to know, after which you will automatically become part of our regular mortgage review service we provide to all our clients. Get in touch today.

For Independent Mortgage Advice we charge a fee of up to 1% of your mortgage amount payable (subject to a typical minimum charge of £295 payable on application & £300 on completion (£595 in total) plus commission from lender.

The exact amount will depend on the complexity and work involved on your case and will be confirmed by way of a formal fee agreement.

To understand the features and risks, ask for a personalised illustration.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGES OR OTHER LOAN SECURED ON IT.THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.