Keep in touch with the news, views & opinions from Martland Mortgages. We're based in Southport, Merseyside but work throughout the UK - including Scotland. Our views are our own & shouldn't be taken as advice. If that's what you want, then fill in our Factfind and we'll be able to help based on your own unique financial circumstances.
We love helping people find their next home, whether as a first time buyer or seasoned house-hunter. Indeed, people come to us not just to find the most suitable mortgage for a move but to help with bad credit, right-to-buy or rental properties too.
But now that spring's well & truly here, we've seen an increase in the numbers of young couples coming to us looking for their first mortgage together for their first home. If that sounds like you, then don't hesitate to complete a no obligation factfind and ask how we can help.
And talking in the office, we thought we'd put together our top tips - the sort of tips we wish we'd been told in our impetuous youth!
Location, location, location
Close to a school? Within cycling distance to work? Work out which things are essential for your location, don't be too exacting - you'll probably have to compromise somewhere!
Location is the thing that you can't change. You can always refurbish a house in the future but you [...]
The daffodils are out, the sun is occasionally shining and we've all got smiles on our faces - it seems that Spring is finally here after yet another interminable British wet Winter and what better time to start looking around for your next home.
Here at Martland Mortgages, we help people find the right mortgage to suit their unique lifestyle & circumstances. From self-employed experts to retirees or even foster carers, we can help with finding the right mortgage wherever you may be in life.
Knowledgeable and helpful from start to finish : Mr & Mrs Wilson - Southport, Merseyside
We are very happy with the process so far Graham has done more than expected for us and has been a pleasure to deal with. Thank Uou. : Mr Lloyd & Miss Mayers
We love hearing from our clients after they complete on the purchase of their new home and were delighted to get this email recently:
I just wanted to take the opportunity to thank you for the help with securing me a mortgage [...]
We're delighted to support the work of the Katy Holmes Trust, if you too can help them in any way, no matter how big or how small you can rest assured that it's for the best of causes.
As Paula Holmes (Katy's Mum) told us:
The Katy Holmes Trust was set up in memory of beautiful 10 year old Katy Holmes who sadly lost her life after only a 3 month battle in January 2012 to a rare and inoperable brain tumour. Her parents, David and Paula Holmes, searched everywhere for answers and discovered that brain tumours are the BIGGEST cancer killer of children under 4 in the UK. They also found that research into this area is woefully under-funded with less than 1% of the national cancer spending being allocated to brain tumours. We do not know what cause brain tumours or how to effectively treat them all so the Katy Holmes Trust has been set up to fund paediatric brain tumour research.
We are very fortunate that thanks to a matched funding opportunity available through the research we are [...]
Whether you're a foster parent, carer or merely exploring the options, you might have realised that many banks & building societies are quite unhelpful when it comes to how they look at fostering income for mortgage purposes.
As Fostering income is treated differently for tax, the net income shown on your tax return or SA302 tax calculation from HMRC may be insufficient for the mortgage you want.
At Martland Mortgages, we've used our contacts, experience & reputation to gain access to lending facilities specifically geared for fosterers where fostering allowances are counted as income for the purposes of calculating the mortgage. Our range of foster care mortgages have proven to be very popular and we're delighted to be able to help so many fostering families make the house move they want.
Visit Foster Mortgages, or for more information call us on 01704 808286 or complete our application factfind.
You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 2.5% of the loan subject to a minimum of £2800.
The overall cost for comparison is 4.6% APR but the actual rate available will depend upon your circumstances. Please ask for a personalised illustration.
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.