Residential Mortgages
Our Residential Mortgages Services
Moving Home
Our team of experienced professionals can help you find the perfect mortgage to suit your needs, whether you're a first-time buyer or a seasoned homeowner looking to upgrade. We'll work with you to understand your financial situation and find a mortgage that fits your budget and lifestyle.
First-time Buyer
Buying your first home can be an exciting, but also daunting, experience. That's why we're here to guide you through the process, step by step. Our dedicated team will help you understand the different mortgage options available, and work with you to find the one that's right for you.
Releasing Equity
If you're looking to release equity from your home, we can help. Our experts can guide you through the process and find a mortgage that allows you to access the equity in your home without having to sell it.
Product Transfer
If you're looking to transfer to a new mortgage product, we've got you covered. Our team will help you understand the different options available and find the one that best suits your needs. We'll work with you to make the transfer process as smooth and stress-free as possible.
Residential Mortgages FAQs
A residential mortgage is a loan that is secured against a residential property. It is used to purchase a property, or to release equity from an existing property. At Ramsay & White, we offer competitive rates on residential mortgages to help you achieve your property goals.
The eligibility criteria for a residential mortgage can vary depending on the lender. However, at Ramsay & White, we consider factors such as income, credit history, employment status, and the value of the property when assessing your eligibility for a residential mortgage.
At Ramsay & White, we offer a range of residential mortgage options to suit your needs, including fixed-rate mortgages, variable-rate mortgages, tracker mortgages, and offset mortgages. Our expert advisors can help you find the right option for you.
The maximum loan-to-value ratio for a residential mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, we can offer up to 95% LTV for first-time buyers and 90% LTV for home movers, subject to eligibility criteria.
The minimum deposit required for a residential mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, we offer residential mortgages with deposits as low as 5% to help you get on the property ladder.
The time it takes to get a residential mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, we have a dedicated team of experts who can guide you through the process and help you secure a mortgage as quickly and efficiently as possible.
The fees associated with a residential mortgage can vary depending on the lender and the borrower's circumstances. However, at Ramsay & White, our advisors will provide you with a full breakdown of all fees and charges associated with your residential mortgage to ensure that you have a clear understanding of the costs involved.
Have more questions?
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Our Mortgage Clients Success Stories
Initial Consultation
During the consultation, our team will help you understand your financial situation and goals. We'll ask about your income, assets, and credit history and discuss the type of property you're looking to purchase or refinance.
Tailored Mortgage Recommendations
Based on the information provided during the initial consultation, our team will recommend a range of mortgage options that are tailored to your individual needs. We'll provide you with detailed information on each option, including the interest rate, fees, and terms.
Application & Approval
As a leading expert in property finance in the UK, we have access to a wide range of mortgage products and lenders. This allows us to offer competitive rates and terms that may not be available to individual borrowers.
Closing & Funding
Once the mortgage application is approved, our team will assist you in closing the loan and securing the funds. We'll work with you to ensure that all the necessary paperwork is completed and will be there to answer any questions you may have throughout the process.
Continued Support
After completion, we provide continued support to all of our clients, answering any questions you may have and help with any of your future property finance needs.
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