Mortgages in Livingston
At Lothian Mortgage Services we provide a range of mortgage services across Livingston and the surrounding areas. We have a professional team who can assist you with finding the most suitable mortgage for your requirements. Should you require any advice or expertise, at Lothian Mortgage Services we specialise in providing a range of mortgage arrangements to suit your situation. Should this be a service your interested in, simply call our team today.
Mortgage Advisers in Livingston
Should you require a new mortgage in Livingston, look no further, at Lothian Mortgage Services we can help. Our professional team of mortgage specialists have access to a range of mortgage lenders and will ensure you find the right mortgage for your budget and requirements. Our professional mortgage brokers have all the skills and knowledge required when it comes to providing support and advice throughout the mortgage process. What’s more is we’ll also make sure you’re kept well informed, so what are you waiting for, call our team today.
Professional Mortgage Services
With Lothian Mortgage Services you can trust our team of mortgage advisers, we have you covered and will provide all of the necessary information to help you make the best decision on your new mortgage. Our team will also take the time to present and discuss the choices available to you and will make sure that you receive the best option.
At Lothian Mortgage Services we only provide quality mortgage services from qualified mortgage advisers in Livingston, when you choose our team, it couldn’t be easier to own the property of your dreams.
Why choose Lothian Mortgage Services?
At Lothian Mortgage Services our team have a range of expertise and are more likely to help anyone who may be looking for a mortgage. So, whatever it is that you require, we support a range of important credentials including:
- Approval by the Financial Conduct Authority (FCA)
- Membership of the Chartered Institute of Bankers in Scotland
- Certified in Mortgage Advice and Practice (CeMAP).
Choosing the right mortgage for you
So, ensure that you’ve made the right choice and choose Lothian Mortgage Services. The mortgage deals we provide are top of the range and our advisors can assist with both first-time buyers, property owners who are re-mortgaging as well as those who require a mortgage for property investment purposes including buy to let mortgages.
At Lothian Mortgage Services, our team of mortgage advisers can provide impaired credit mortgages, great for those whose credit rating may not be favourable. Our mortgage selection includes…
At Lothian Mortgage Services in Livingston, you’ll know that you’re part of a winning team, when it comes to your new mortgage, our professional advisors provide both home and office appointments, ensuring the upmost convenience for you. Should you wish to make an appointment with our team simply contact Lothian Mortgage Services today. As part of our specialist service we can come to you at a convenient time, and you’ll be able to fully focus on making the right decisions for your prospective property purchase.
- First-time Buyers Mortgage
- Impaired Credit Mortgage
- Contract Worker Mortgage
- Moving Home Mortgage
- Secured Loans
- Buying to Let
- Raising Capital
- Purchasing Abroad
For mortgages in Livingston, contact Lothian Mortgage Service
At Lothian Mortgage Services we specialise in providing mortgage services in the Livingston area and can also be on hand to assist you find the most suitable mortgage. From advice to professional guidance and arrangements from the comfort of your home, our professional team have you covered. If this sounds like something that you’re looking for, contact our team today. At Lothian Mortgage Services we should be your number one choice, especially when it comes to first rate help and impartial advice from mortgage specialists in Livingston. Our advice is available to those who require unbiased expertise from independent specialists.
Simply call Lothian Mortgage Services in Livingston today for the finest home buying help and advice across Livingston. We also provide our services in Lothian.
What is a fixed rate mortgage?
With a fixed rate mortgage, the interest will stay the same for a set period of time, this means that for every month during this set period, your mortgage repayments will stay the same. Should there be changes to the Bank of England base rate, or your lenders’ standard variable rate (SVR), your payments will stay the same. The term of a fixed rate mortgage will last between two to five years but can be much longer, when the period has ended, your lender will probably transfer you automatically onto the standard variable rate.
What is a standard variable rate mortgage?
A standard variable rate mortgage (which is also known as an SVR or reversion rate mortgage) is a type of variable rate mortgage, SVR is the lender’s default rate without limited term deals or discounts.
How long to mortgages usually last for?
Typically a mortgage will last around 20 years but in reality this can change depending on a range of factors, when you set up your mortgage you’ll decide the term and how long you want the mortgage to be, this is all according to your repayment plane/
How big a mortgage can I take out?
Exactly how much you can borrow will depend on a number of factors of your financial situation as well as the value of the property. A mortgage lender will conduct a thorough financial evaluation and take into account your net income, as well as your expenses and outgoings, this will help to work out how much you can borrow. They’ll also consider your credit score and any loans or credit cards that you currently have.
Will I be charged for paying off the mortgage early?
Yes, most mortgage providers will charge a early repayment fee if you decide that you can and would like to pay the whole balance of your mortgage off early. This is because you are losing the lender money in interest that you’d otherwise be paying over the term.
Can I still get a mortgage if my credit rating is bad?
Yes, there are mortgage plans out there to suit people in a range of financial situations and if your credit score is less than perfect, don’t worry as there’ll be a product out there for you. Should you have a bad credit score, you’ll still be able to get some kind of mortgage that will probably be higher than the average interest rates.
What if I want to move house before I’ve paid off my mortgage?
If you’re looking into moving house you may be able to port your existing mortgage over to your new property and continue paying it off as usual. You may need to undergo a new affordability and credit check if you do so and your new property’s value is different from your old one, then the situation may be a bit more complex.
How can I get the best deals on mortgages?
The world of mortgages is broad and complex but there are some things that you can do to try and make sure that you get the best deals available to you. We recommend that first of all you clear as much as your credit as possible, if you have a poor credit rating, this is something that you won’t be able to sort out overnight, but if you do have time on your hands, then you could take out a credit building credit card.
What is a decision in principle?
A decision in principle is a document which will provide confirmation that you can borrow a certain amount of money subject to a full assessment when you apply. The amount may change once a full review is carried out, you’ll be able to provide to the seller that you have been pre-approved for a mortgage.
How do I apply for a mortgage?
It couldn’t be easier, simply give the team at Lothian Mortgage Services a call and we’ll be more than happy to to go through your requirements and let you know how we can help with your mortgage.