Residential Mortgages & First-Time Buyers

It has become normal to assume that buying your first home is a complicated and stressful process, but given the correct guidance and expert knowledge, we aim to simplify the process so you can get on with your day to day lives.

We will provide you with a one-to-one tailored service, addressing all of your needs and personal circumstances to find the best mortgage from a range of products from the mortgage market.

Whether you’re a First-Time Buyer or just looking to move home, exploring your financial position is the first stage of the process. Our trained advisers will indicate how much you are entitled to borrow based on your income, outgoings, savings and future plans, putting you in the best possible position to proceed on your dream home.

If you require a discussion in the comfort of your own home or a consultation in our office, our local mortgage advisers will provide you with a step-by-step guidance from application right through to completion.

Buy-To-Let

Are you looking to purchase your first investment property? Or simply looking to grow your property portfolio? Buy-To-Let is a great way of doing so.

Buying an investment property is a difficult decision to make on your own, especially without prior experience or the correct advice. Given the knowledge and familiarity from our advisers, you can reap the huge benefits of a BTL Mortgage. Not only does a second property provide you with an additional, supplementary income, it offers you a long-term investment for the future and presents the opportunity for you to spread your savings/capital among one or more properties.

Here at NS Estates we aim to present a ‘One-Stop Shop’ for all your needs, saving you time and energy.

Step 1: Purchase your investment property from NS Estates Properties For Sale

Step 2: Arrange your Buy-To-Let Mortgage from our Mortgage Advisers

Step 3: Upon Completion, our Lettings team will provide a Tenant Only Service or a fully Managed Service, by your request. (Competitive Fee structure available, T’s & C’s apply)

Re-Mortgages

Re-mortgaging involves switching your current mortgage to a new lender or simply negotiating a better deal with your existing lender. This can be done for a variety of reasons;

• Avoid Interest Rate Increases For those of you worried about future interest rate rises, re-mortgaging enables you to fix your mortgage to current rates for a specified period, allowing you to budget accordingly for the months / years ahead.
• Equity Release If you are in a fortunate position to have built up equity in your home, re-mortgaging can be a great way of releasing finances in order to fund a range of things such as; home improvements, plans for extending, paying off debts/credit cards and perhaps to even provide a deposit for a proposed investment property.
• Find a Better Deal Are you coming to the end of your current fixed term? This is the perfect opportunity to review your current mortgage and explore the market to secure a better deal on your mortgage. Whether this involves paying a lower interest rate or simply fixing your mortgage for another specified term, we highly advise speaking to our Mortgage Advisers who can compare to save you money and reduce your overall outgoings.