Mortgage FAQ Archives - Robson Macintosh

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What is LTV?

4th February 2021

Lenders often talk about the LTV requirement. LTV is an acronym for Loan to Value Ratio. This is a term used to describe the ratio of a loan to the value of the property purchased. For example if you ...

What is a mortgage broker?

Mortgage brokers are specialist advisers who will look for a suitable mortgage product on a client’s behalf in order to ensure they get the best possible deal based on their requirements....

I have bad credit, will this be a problem?

This will not prevent you from getting a mortgage. We have had great success in helping clients with adverse credit. There are a number of lenders who are more favourable to clients who have previousl...

Is the mortgage advice independent?

Yes, our advice is always independent and impartial, we will recommend what we consider to be the best mortgage to meet your needs. They have no affiliation with a particular lender or panel. We are F...

How do I know I’m being offered the best mortgage available to me?

Being a ‘whole of market broker’ means that we have access to the whole mortgage market. We search and compare the entire market to find the best offer for you, doing all the hard work for you. Pl...

What fees are involved in getting a mortgage?

Our brokers take all the hard work out of finding the very best mortgage offers available. We are CII MAQ qualified and FCA Regulated. We can charge a Financial Arrangement Fee payable on application....

How much can I afford?

There is no prescribed criteria to determine what you can borrow. The amount you qualify for will be determined by the purchase price of the property, the deposit you are able to put down, your income...

I would like to invest in a rental property is this something you can help with?

Yes, we have a wealth of experience in a range of Mortgage types including Buy To let Mortgages...

How does a Mortgage work?

A Bank or Lender loans money with interest. In return their loan is secured against the value of a person’s property. The details of the loan agreement are registered against the Title of that prop...

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Archives

What is LTV?

What is a mortgage broker?

I have bad credit, will this be a problem?

Is the mortgage advice independent?

How do I know I’m being offered the best mortgage available to me?

What fees are involved in getting a mortgage?

How much can I afford?

I would like to invest in a rental property is this something you can help with?

How does a Mortgage work?

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