Mortgages
A mortgage is more than just a transaction. It's a key part of your financial future.
That's why we take the time to understand your circumstances, answer your questions, and provide clear, tailored advice every step of the way. Our aim is simple: to make the process as smooth and stress-free as possible.
What we offer
First time buyer
As a first time buyer, we understand that entering the property market for the first time can be very daunting.
At Mortgages121, we take this responsibility on our shoulders, creating a stress-free process for you to focus on your day to day life.
Remortgage
When remortgaging your existing property, we assess the financial viability of either remaining with your current mortgage lender or moving to a new mortgage lender.
We will make reasonable endeavours to contact their existing customers, six months in advance of their mortgage expiry date, to discuss the client's needs and preferences to plan their next mortgage.
Buy-to-let
A buy-to-let is a property bought for rental purposes. Such properties are bought as an investment to realise future capital or create a retirement fund.
With over 15 years’ experience in buying, selling and renting properties, Mortgages121 is qualified to advise you on finding a suitable buy-to-let mortgage.
International Financial Institutions (IFIs)
Since 2013, we have specialised in advising employees of UK-based International Financial Institutions (IFIs), providing tailored mortgage solutions for clients with complex remuneration packages, international backgrounds, and sophisticated financial circumstances.
Our expertise enables us to navigate lender requirements efficiently, helping secure competitive borrowing solutions.
Please think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage(s).
‘‘Gurjit helped us with a limited company BTL application and he provided a one to one service which made the whole process seamless. Even though the purchase was time-critical and during the busy Christmas period, he always made himself available and was prompt with his responses and extensive knowledge.’’
-R.S