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Top Reasons Why You May Find it Difficult to Obtain a Mortgage in Grimsby

Expert Mortgage Advice in Grimsby

Obtaining a mortgage in Grimsby occasionally be quite challenging, especially for those who have never done so before. There are hundreds of different mortgage lenders out there all with their different lending criteria that you need to match up against.

We have been working within the mortgage industry for well over 20 years now, learning in that time the best ways to help a customer save both their time, and their money. After all, customer satisfaction is at the heart of what we do.

As a trusted and experienced mortgage broker in Grimsby, we have the knowledge to overcome most mortgage hurdles. We love taking on a good challenge, so even if it’s a situation we haven’t directly come across, it’s likely we’ll have gone through at least something similar before.

We specialise in providing expert Mortgage Advice in Grimsby. No matter if you are a First Time Buyer in Grimsby, looking at Moving Home or wanting Self-Employed Mortgage Advice in Grimsby, we are here to help you in any way we can!

Top Reasons That Make a Mortgage Challenging

Whilst it can go fairly smoothly for some, there are instances where obtaining a mortgage may become a challenge.

Our dedicated team of mortgage advisors in Grimsby will always work hard, using their knowledge to overcome as many mortgage hurdles as we can. Below we have put together a list of the most common situations we encounter with customers who are struggling to be accepted for a mortgage.

Income is Too Low

A mortgage lender will always want to know that you have a suitable income and are able to afford the monthly repayments on your mortgage. They will perform affordability checks, reviewing your income and outgoings, to make sure that a mortgage is right for you.

If a mortgage lender isn’t willing to accept you for a mortgage on the amount you need, you may need to look at putting down a higher deposit. Doing so will reduce the amount you need to borrow, possibly allowing for lower monthly repayments over a longer term.

Not Enough Deposit

Relating to the previous point, you may not be able to save enough for the initial deposit. Generally speaking, you will need between at least 5-10% to be in with a shot at obtaining a mortgage, though if you can go higher, this would be recommended.

The reason we recommend a higher deposit, is because it can open you up to much better deals, with a wider variety of mortgage lenders. Doing so will put you in a much better position than you otherwise would be.

Unfortunately not everyone can save the right amount, which will obviously put a halt on plans for the foreseeable, until that amount is saved. There are a few saving graces though, especially for first time buyers in Grimsby.

The first of these is the Bank of Mum & Dad, otherwise known as a gifted deposit. This is a gift, donated from a family member (typically parents, adopted parents, carers or legal guardians), allowing their loved one to get onto the property ladder.

This is an increasingly popular option, being a large factor into so many young people getting onto the property ladder these days. You must remember though that this is gift and not a loan, something which the lender will need to see in writing, along with proof of deposit.

The other helpful tool for first time buyers, is the government Help to Buy Equity Loan Scheme. The aim of this scheme is to boost a first time buyers deposit up to 25%, with a loan from the government.

So long as you have saved up 5% by yourself, the government will loan an additional 20%. This works within that 25% amount, so if you have 10%, they’ll loan you 15%. This too is a loan, and will need to be paid back.

Not having enough deposit initially can create challenges, but with the right help you may be able to still obtain a mortgage, especially if that is the only hurdle in your way and the rest of your case looks fine.

Poor Credit Score / Credit Problems

Credit score is one of the biggest factors in obtaining a mortgage. Whether it’s from a poor track record of handling credit, obtaining defaults and missing payments, or from simply not having enough of a credit score (common in younger applicants), this can present challenges.

We have a large panel of specialist lenders on panel, so even if your case is a little more complex, there may still be mortgage options for you, though they will often require a more substantial deposit from you, closer to at least 20%.

It’s not just things like defaults and missed payments that affects your credit score, as there are other aspects that may affect that also. Making sure all your addresses are in line is a common one some applicants forget about.

You should update all addresses to your current address and register on the electoral register, so that lenders are able to confirm you’re living where you say you are. Also, avoid applying for too many mortgages yourself, without speaking to an expert.

If you are applying for mortgages by yourself and constantly getting declined, this can seriously harm your credit score. There is the potential that one of these mortgage lenders will have been assessing you using a hard credit score.

A hard credit score, unlike a soft credit score, is a lot more in-depth but also leaves a visible footprint on your credit file. A mortgage broker in Grimsby will match you up with the right lender, so you don’t run the risk of this happening.

Speak to an Expert Mortgage Broker in Grimsby

As an experienced and reputable mortgage broker in Grimsby, we have lots of valuable experience and we know exactly what lenders are looking for in mortgage applicants.

We can talk you through some simple steps you can take to improve your chances of your mortgage application being successful.

These steps can be very simple and easy to do. Speaking to an expert mortgage advisor in Grimsby could get you a couple of steps closer to securing a mortgage deal.

Book your free mortgage appointment today and we’ll get the ball rolling on achieving mortgage success for you and your future home.

A Guide to Remortgages in Grimsby: Top Reasons to Consider

Remortgage Broker in Grimsby

By the time your mortgage ends, you will have ended up with one of these outcomes; a dream family home, a stepping stone property you’ll later leave to climb the property ladder, or a buy to let investment property.

No matter which path you took primarily, soon enough you’ll find that your fixed period is ending. At this point you might be wanting to look at the options you have for moving into a bigger or smaller home. Sometimes a landlord may look to sell up their portfolio.

As a mortgage broker in Grimsby, however, we tend to find that most people will look to take out a remortgage.

What is a Remortgage?

Before we get on with the topic, let’s look at the definition of a remortgage in Grimsby. To summarise, a remortgage is the process of using funds that you have raised from taking out a new mortgage, to pay off an existing mortgage in your name. .You can do this a lot of different ways and there are a lot of different benefits to each.

The “Moneyman” Malcolm Davidson (host of MoneymanTV, our YouTube Channel) has well over 20 years of experience in the mortgage world. Using his knowledge, we have compiled a helpful guide to all the remortgage options that a homeowner may have access to.

Remortgage for Better Interest Rates

Your fixed period will usually last within the range of 2-5 years. The fixed rates or potential discounted rates here tend to be lower. Depending on the situation you are in, you may even find yourself placed onto a tracker mortgage, which will fluctuate based on the Bank of England’s base rate.

Once you reach the end of your fixed period, you will most likely be put onto the lenders Standard Variable Rate (typically shortened to SVR). In simple terms, an SVR is a mortgage with an interest rate that can completely change depending on what the lender wishes to charge.

Whilst this mortgage type does not change with the Bank of England’s base rate as a tracker mortgage would. These changes often occur at times when the base rate or the market changes. For example, if the base rate goes up, your lender may choose to increase their rate too.

Because of this, Standard Variable Rates are often considered to be pretty expensive choices to stick with, which is why a lot of homeowners often choose to remortgage their property for better rates. The hope is that this will save you money down the line.

Remortgage for Home Improvements

A couple of years into occupying your property, you may have something different in mind. Rather than finding a new place to live that covers what you would like in a home, many homeowners instead prefer to remortgage to release equity, in order to cover the costs of upgrading their current home.

We hear of customers looking to achieve all kinds of things in their homes. Some like to create more space to live in. Others are unhappy with their kitchen and would like it refurbishing. An increasingly popular one is converting the loft into another room or something else.

The prospect of planning and managing your own project, as well as getting permission from the authorities when necessary, can seem daunting. That being said, a lot of customers who have done just that would argue it’s a lot less stressful than finding a new house, and is a lot more rewarding.

This may benefit you further down the line too, as creating more space and having a solid, well built home is something that will likely increase how much the house is worth. In the event you did decide to sell up and move home, this would come in handy.

Remortgage for Changes to Your Term

Depending on the situation you are in, you may just prefer to take out a remortgage in Grimsby in order to access a better mortgage term. This can be achieved either by reducing how long your mortgage term is or by switching onto a product that is more flexible.

When you reduce your mortgage term, you won’t be paying back, nor will you be restricted for as long. That being said, it tends to mean higher monthly mortgage payments for you. The longer you make your mortgage term, the less you’re likely to have to pay per month.

A lot of the time, customers may choose a more flexible mortgage term at remortgage time. This may give you the option to overpay more than usual (this comes with a cap typically), meaning you could pay your mortgage off quicker. Also if you wish to move, you may be able to carry that mortgage onto a new property.

Though this could be the best route to take, they will typically come in the form of tracker mortgages. As we looked at before, this will correlate with the Bank of England’s base rate. This means your monthly payments could be a little unreliable, as they may change.

Remortgage to Release Equity

Unless the country were to experience another serious market crash, every homeowner will have a certain amount of equity existing within their home. This can be worked out with the difference between what you still owe on the mortgage, and the value of the property.

As mentioned previously, people usually look at taking out a remortgage to release equity as a way of assisting with the funding of home improvements, though you may have something else you wish to use this for.

Popular choices include to cover long-term care costs, provide an income boost, cover the costs of a large holiday, pay off an interest-only mortgage or to simply free up some extra disposable income.

From time to time, we also find that Buy-to-Let landlords will look to remortgage to release equity from one of the properties in their portfolio, as a way to cover the deposit for a future purchase.

For homeowners who are aged 55+ and have a property that is worth at least £70,000, it may be beneficial to take at your options for Equity Release in Grimsby. Speak to a trusted later life mortgage advisor to learn more about lifetime mortgages and equity release.

Remortgage to Consolidate Debt

Following on from the latter section, some may remortgage to release equity, to pay off any built up, unsecured debts.

Though it sounds simple, how much you can borrow for a debt consolidation remortgage depends on how much you owe a creditor, the value of your home and the current state of your credit rating. This means you could be limited in how much you are allowed to borrow.

In addition to this, in order to pay your previous mortgage off entirely, as well as the debts you have accrued, you will have to borrow more than you actually require for a mortgage. This will most likely mean higher monthly payments.

It’s not at all an ideal situation, but you’ll at least have comfort in knowing that should you find yourself struggling, there are some options out there that you can take.

If you have a damaged credit rating, you’re not completely out of options. That being said, it will be a challenge and you will require specialist remortgage advice in Grimsby before you can go forward with it. Even then, you are not guaranteed to get a mortgage.

Homeowners should always seek out the advice of a specialist mortgage advisor in Grimsby before they consolidate any debts against their home.

Book Your Free Remortgage Review with a Mortgage Advisor in Grimsby

If you are reaching the end of your initial fixed period and wondering what your options may be for a remortgage in Grimsby, please do get in touch.

Book your free remortgage review to speak with an open & honest mortgage advisor in Grimsby today. We work around your schedule, so you can speak to someone at a time that is convenient for you, whether it be early in the morning or later in the evening.

A trusted mortgage advisor in Grimsby will be able to go over your case and any plans you may have, in order to create a suitable plan of action for your mortgage journey. We always aim to make sure that this time around is as quick, if not quicker than your last process.

What is a 95% Mortgage?

A 95% mortgage is as simple as the name would suggest; you are borrowing against 95% of the price of a property, and then you are covering the remaining 5% with your deposit. An example of this is if you looked at buying a property that was worth £150,000 with a 95% mortgage, you would be putting down £7,500 as your deposit and borrow the remaining £142,500 from the lender. 

95% Mortgage Advice in Grimsby

Off the back of the March 2021 Budget, Boris Johnson announced a Mortgage Guarantee Scheme for mortgage lenders, making 95% mortgages more readily available from the bigger high street banks.   

This is fantastic news for First-Time Buyers and Home Movers alike, as this scheme will continue running until December 2022. Certain terms and conditions will apply though, which is something your Mortgage Advisor in Grimsby will be able to look at, to see if you qualify.    

All our customers who opt to Get in Touch will receive a free, no-obligation mortgage consultation where one of our dedicated mortgage advisors will be able to make a recommendation on the best possible route for you to take.

Can I get a 95% mortgage?

95% mortgages are usually accessible by both First Time Buyers in Grimsby & those who are Moving Home in Grimsby. Whilst saving for a 5% deposit sounds like a pretty straightforward concept, you’ll still need to have an acceptable credit score and prove that you are able to afford your monthly mortgage repayments, in order to access a 95% mortgage.

Improving your credit score

A good credit score is essential in the process of obtaining any mortgage, especially a 95% mortgage. Things like paying any current credit commitments on time, ensuring your addresses are updated and checking that you’re on the voters roll, can all help with your credit score.

Affordability 

Affordability is another one that is important to take note of. By giving the lender details of your income and monthly outgoings (things like your bank statements will be necessary for this) and any pre-existing credit commitments, your lender will be able to get a general overview of whether or not you are able to afford this type of mortgage.

Can my family help me get a 95% mortgage?

Nowadays we see lots of family members helping each other get onto the property ladder, especially parents looking to further their children’s lives. The way this usually happens is by gifting the person looking to find their home, the deposit required. Known through the industry as the “Bank of Mum & Dad, Gifted Deposits are only intended to be a gift, and not as a loan. The lender will need proof that this has been agreed upon before it can be used towards your mortgage. 

How do I choose the right 95% mortgage?

When looking for a 95% mortgage, you want to make sure you have the right type of mortgage. Each mortgage type works differently, with that choice allowing you to find one that is most appropriate for your personal and financial situation. 

Some homeowners and homebuyers prefer Fixed Rate or Tracker Mortgages, mortgage types which mean you either keep interest rates at a set amount for the term given or have your interest rates tracking the Bank of England base rates.

Alternatively, you might find that Interest-Only or Repayment Mortgages are more your style. Interest-Only allows cheaper payments until you need to pay a lump sum at the end (mostly now used for Buy-to-Lets), whereas a Repayment mortgage (a normal mortgage if you’d like) means you’ll be paying interest and capital combined per month.

How can a bigger deposit help with my mortgage? 

Seeing as a mortgage is such a large financial outgoing, you need to be prepared and need to be aware. You might find things like higher interest rates, remortgaging difficulties due to less equity and then negative equity all cropping up if you’re not. 

There is no need to worry though, as all these can be avoided if you’re savvy enough with your process to begin with. The more deposit you put down for a property, the less risk the lender will see you as. 

A larger deposit, of say 10-15%, would not only reduce the rates of interest by a noticeable amount but would also give the property more equity and reduce the risk of negative equity, thanks in part to you borrowing less against the property. 

So, whilst the risks may seem intimidating, planning ahead and saving for a bigger deposit to access something like a 90% or even an 85% mortgage will be a massive help in your mortgage journey and something you’ll be able to reap the rewards from in the future. 

Grimsbymoneyman Spring Budget 2021 Update

Rishi Sunak’s second Budget as Chancellor brought two pieces of welcome news for the property sector as the Government attempts to transform “Generation Rent” into “Generation Buy” to help stimulate the UK economy, namely the new 95% Mortgage Guarantee and an extension of the Stamp Duty Holiday.

https://www.youtube.com/watch?v=xeR8CoTVjfA

95% Mortgage Guarantee

The name of this scheme is misleading as not everyone that applies is guaranteed to be offered a mortgage, it is still subject to affordability and credit score. The “guarantee” itself is that the Government will ensure Lenders don’t stand a loss if they grant a 95% mortgage to a customer who then subsequently falls into arrears and is repossessed leaving behind negative equity.

This scheme should in theory give Lenders more confidence to lend even though the applicant only has a smaller deposit to put down. Of course, Lenders never want to repossess someone’s home unless it is the last resort, but if that happens then the new scheme would cover any shortfall.

Lenders have been worried about the prospect of home values decreasing so this measure should alleviate that concern although of course, the chances of negative equity occurring will naturally reduce should property prices increase as a result of these announcements!

The scheme is available to both 1st Time Buyers and Home Movers, it’s available on any property (not just new build) and will run until December 2022. Some major High Street Banks have already signed up to the scheme and it’s likely more will follow later on. It’s still a big challenge for Lenders to cope with the demand they are getting for mortgages due to the difficulties training and supervising staff working from home but they will want to offer as many of these mortgages as they can.

Stamp Duty Holiday Extension

When the Stamp Duty Holiday was launched last year we all hoped life would be very much back to normal by the cut-off date of 31st March 2021 but things didn’t pan out that way as we know. Solicitors are struggling to keep up with the workload and if lots of chains had collapsed then it would have partly defeated the object of the exercise.

Therefore it was good to hear the scheme has been extended to 30th June for purchases up to £500,000 and 30th September for purchases up to £250,000.

The Government certainly sees the property sector as an area that can play a big part in our economic recovery and if you are looking to buy a home or remortgage this year please reach out and we will be happy to advise you.

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Can I Have Two Mortgages in Grimsby?

The majority of people will perhaps not even consider taking out a second mortgage. As it is, one mortgage can stress people, nevermind having a second one! Furthermore, it can also be even more costly to do so as well.

That being said, surprisingly, they are still pretty common with homeowners. Here are a selection of reasons as to why someone may wish to invest in an additional mortgage.

Common Reasons For Wanting Two Mortgages

  1. Raising money to use on your existing home.
  2. Renting out your current home and purchasing a new one.
  3. Helping children get onto the property ladder by taking out a second mortgage.
  4. Purchasing additional buy to lets in Grimsby.
  5. Being named on an existing mortgage and wanting to take out a new one.

Capital Raise Funds for Your Home

Quite often, people who have built up a portion of equity within their home may find that they would like to make some additional changes to their home. This isn’t a second mortgage in a sense of having two run alongside each other, but more of your second go around.

In order to release equity, you will need to remortgage from your current deal, onto a new one. We most frequently see people using the equity within their home to cover the costs of things like home improvements, modifications or alterations.

Additionally, whilst releasing equity can be an option, you may also be able to use your equity in other ways. Some may release it to fund the deposit of an additional purchase, whilst others may use the equity in their home to open themselves up to better deals.

Rent Out Your Existing Home to Purchase a New One

The process of renting out your existing property in order to raise the funds to purchase a new home, is called a let to buy mortgage in Grimsby. This requires remortgaging your existing home onto a special let to buy mortgage, whilst you take out a new residential one.

Help Your Children to Get Onto The Property Ladder

We are starting to see more and more first time buyers taking out first time buyer mortgages in Grimsby and getting onto the property ladder, though there are still plenty out there who are finding it difficult. It’s not an easy transition to go from renting to buying!

One of the bigger factors we have seen in younger people doing this, is by having the help of a family member. Gifted deposits is the act of gifting money, either from savings or from the aforementioned remortgage to release equity, to a family member, to help them achieve their home buying goals.

In addition to this, there may also be the option of simply purchasing a new home for your family member to live in. For this to work, the mortgage would be taken out in your name, making it a literal second mortgage, though you would not be living there.

A mortgage lender may prefer you to live in a residential property you are going to be paying for, though there are mortgage lenders who will allow this. In order to have two mortgages running side by side, you will need to meet a mortgage lenders strict lending criteria and affordability requirements.

Additional Buy to Let Purchase in Grimsby

If you are already a landlord with a buy to let mortgage in Grimsby, you may be looking at expanding your investments into even more properties. The good news is that this is very common, with many landlords owning more than one property.

We have helped thousands of buy to let landlords over the years, securing them amazing buy to let mortgage deals and forming relationships, that see many of them returning for remortgages and additional purchases.

Book online and we’ll get the ball rolling on any further buy to let mortgages in Grimsby you are looking at taking out.

Named on an existing mortgage and want to buy a new home?

If you are currently named on another mortgage but do not want to be financially tied to another person anymore, you may be considering your options. This scenario is common with divorce and separation. In this case, you need to remove the financial ties as soon as possible.

You can achieve this by either yourself (if you’re planning to stay in the property) or your ex-partner (if they are staying within the property) remortgaging into your sole name. This has to be done with the consent of the other party.

If the mortgage lender determines that one party cannot afford the current mortgage in their sole name, you may not be able to get your name removed from their mortgage. As such, you will still be legally responsible for it, even if you agree that only one of you will maintain payments.

From here, you may want to purchase a home of your own, in your name. Though it can be tricky with affordability, there are specialist mortgage lenders who are willing to help customers who are looking to have a second mortgage in their name due to this circumstance.

Book your free mortgage appointment today and benefit from expert specialist mortgage advice for specialist mortgages in Grimsby, today.

Buying as a Sitting Tenant Explained – Purchase From Your Landlord in Grimsby

Throughout our time working as mortgage advice experts in Grimsby, we have seen all kinds of first time buyers in Grimsby who have found their footing on the property ladder by purchasing the home they are renting privately from a landlord in Grimsby. This process is called buying as a sitting tenant.

As a private tenant, you may find that your landlord will eventually offer you the “first refusal”. This is what we call the process of a landlord allowing the tenant who is living within their property, to purchase it directly from of the landlord, before it is put onto the open market.

If this is something that you would like to do and you have not been offered first refusal or are not sure whether or not this could be an option for you, we would definitely suggest getting in touch with your landlord and at least asking the question.

Why are more landlords offering to sell directly to their tenants?

One of the main reasons that we have seen tenants purchasing from their landlord becoming more popular, is because of changes in government policy. Buy to let mortgages in Grimsby, in previous years, could benefit from government tax relief. This now no longer applies to landlords.

What this means, is that many landlords are now paying higher tax bills. When viewed as long-term investments, buy to let mortgages in Grimsby can be a fruitful endeavour. Even taking away these tax advantages, it can prove to be profitable.

That being said, the investments can end up being quite costly for the investor, which can sometimes lead them to sell their buy to lets in Grimsby and move on to pastures new. Because of this, you may find yourself being offered the chance to buy their property from them.

Regardless of their reasons for doing this, whether it is a personal reason, a financial reason or something else, there are many different positives to selling directly to a tenant, instead of selling to the open market and using an estate agency to help you do so.

Landlord Benefits

Avoidance of Estate Agent Fees

When a landlord instead goes directly to the tenant for a sale, they can find themselves saving a large amount of money that would, the landlord can end up saving a good amount of money. That money would have most likely gone on estate agency fees otherwise.

An Easier Process

If the landlord were to put the home up for sale on the open market, potential property buyers will have to schedule times to go and view the property. This would be quite a difficult aspect if the tenant were still living within the property.

 Refurbishment Cost Reduction

Since the landlord will be directly selling the property to their tenant whilst they are still staying within the property, there will be no need for the landlord to do any further work on the property. This means you won’t need to pay for cleaners, make any major or minor repairs, or even repaint.

Of course these types of things would be very appealing to potential property buyers who are seeing it for the first time, but you don’t need to impress the tenant who has already lived there, no doubt made it their own and fallen in love with it. They’ll be happy to take it as is.

Absence of Rental Void

By putting their home on the open market and getting the tenant to leave (or if they leave by their own volition), the landlord will find themselves with a rental void, a period of time in which they will not be making any money from the property.

There is no guarantee you will find a buyer immediately. If the property were to take months to sell, you would be going months without additional income and need to be able to make up your monthly payments on your mortgage still, until your sale completes.

Selling to the tenant, however, means that you retain a flow of income until your sale is completed and the property becomes theirs.

Tenant Benefits

Familiarity With The Home

You have spent years living within your home, you have grown to love all of it’s quirks inside and out. There is no element of surprise, you everything good and bad about it.

Freedom to Make Changes

Buying a property that you have already been living in can let you make all of the changes that you had been hoping to make. If you were looking to perhaps take out some features and put new ones in, use paint more to your liking, or anything else, you have the freedom to do so.

Possible Discount

Since it is very likely that your landlord will be saving money in selling you the property, you could find (at least we have seen) that they will offer you a discounted property price, as opposed to the price that would otherwise be available on the open market.

Absence of Property Chain

Property chains can become quite problematic for home buyers and home movers, making the process longer and more stressful. You’re basically waiting for one person to move out, so that you could move in, whilst that person themselves could be waiting on another person.

This can make it all a very difficult situation for all involved and has caused a lot of property sales to struggle because of it. Sitting tenant purchases, however, will not need to worry about any property chains, as you already live there! All you need to concern yourself with is mortgage lender criteria.

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