We specialise in all types of mortgages

Purchasing your first home is an exciting time. We are here to help you every step of the way, right from a friendly first meeting with us until the day you pick up the keys, and then beyond.

You may have excellent support from family and friends and we want to be a part of that and bring our specialist knowledge to the table to assist you.

Our service starts with helping you understand the budgetary factors affecting how much you can borrow. We then get to work and find the most competitive mortgage for you.

We are also able to co-ordinate arrangements with your Estate Agent, recommend a Solicitor if you need one and organise a Building Surveyor if you would like us to. Organising all of the parties involved ensures continuity and brings all the necessary work to completion at the right time so you can plan your moving date with confidence.

Email or call me today to arrange a free consultation meeting.

Thinking of moving home? we can help with all of the information you need about finance and borrowing, independent of your estate agent so the advice we give will always be impartial. We work for you. Find out how much you could borrow and what level of deposit you would require.

Is your mortgage deal coming to an end? Or are you thinking of making changes to your mortgage? We can look after the remortgage process for you, whether you remain with your existing mortgage provider or it might be beneficial to switch to a more competitive lender.

We discuss re-mortgaging with clients typically 4-5 months before their current arrangement comes to an end.

It is highly likely that if you have a mortgage that is over three years old there will be a more competitive deal available for you. Even with exit fees on your current product it might be that you can still save money over the lifetime of a new mortgage. The market is competitive and lenders will offer a free survey and legal fees to reduce the costs of moving your mortgage.

Speak to us and we can ‘crunch’ the numbers for you. You might be pleasantly surprised.

Email or call me today to arrange a free consultation meeting.

Both first time and experienced landlords welcome. We will calculate how much rental income is required, how much deposit is needed and then advise you on the best mortgage solution based on your property portfolio.

As the world of buy to let and property investment has grown over the last few years, so has the range of buy to let mortgages that are available.

We will advise on the current available products. We will search the whole of the market and also search specialist buy to let lenders. We will help you to decide which buy to let mortgage product best suits your needs, based on your individual circumstances and your long-term investment objectives. 

Whether you are purchasing your first buy to let property, or you are an experienced Landlord, we are able to help. Buying a rental property and financing the purchase requires expert advice. Although the availability of investment property finance has increased, wise investors use a specialist mortgage broker to advise on, source and arrange their buy to let mortgages.

There are significant responsibilities that come with being a landlord and they are set out in detail on the government’s website [https://www.gov.uk/renting-out-a-property/landlord-responsibilities]. In summary as a landlord you must:

  • Keep your rented properties safe and free from health hazards
  • Make sure all gas and electrical equipment is safely installed and maintained
  • Provide an Energy Performance Certificate for the property
  • Protect your tenant’s deposit in a government-approved scheme
  • Check that your tenant has the right the rent the property
  • Fit and test smoke alarms and carbon monoxide alarms
  • Follow all fire safety regulations

As part of our insurance service, we can advise on suitable landlord insurance. This is important as policies vary considerably in terms of what they do and do not cover.

Email or call me today to arrange a free consultation meeting.

Note. The Financial Conduct Authority does not regulate some forms of Buy to Let.

  • Open the door to own your first own home
  • With just a 5% deposit, home ownership might be more affordable than you thought

Looking at new build properties? You may be able to take advantage of a government equity loan via help to buy.

With the government's Help to Buy: Shared Ownership scheme you can buy as little as 25% or as much as 75% of a home and pay rent on the rest.

We will look after both the mortgage and help to buy application forms for you.

We're also here just to answer any questions, so fire away.

There is a wealth of information out there on the internet about these schemes, but sometimes you just want to ask some simple questions to help your understanding like how much am I able to borrow? That is also what we are here to do and is part of our business philosophy. You can only make a sensible decision is you are properly informed.

Feel free to call on 0330 043 0013 or email tom@ashtontaylor.org.uk 

Contractors can often be restricted when applying for a mortgage. We have access to lenders who will consider applicants who work on a fixed term contract or day rate contract.

The number of contracted workers continues to rise and it can be challenging for these people to secure a mortgage offer from a high street lender. It is a specialist area and one that we have experience in and access to.

If you are a contract worker, then talk to us so we can understand your particular circumstances. There are mortgage lenders with products just for contract workers, but you might not have found them. Just because you are in a particular area of work where contracts are prevalent, does not been you don’t have a profile that makes you an ideal borrower.  We can help you find the product at the right time for your circumstances.

Email or call me today to arrange a free consultation meeting.

If you’re looking for a mortgage but are worried about your credit rating, we have access to lenders who will consider applications on an individual basis where credit rating might be an issue.

If you have an adverse credit history, you might have found obtaining a mortgage from a high street lender particularly difficult. What you might not know is that there are lenders who specialise in providing mortgage products for people whose financial past continues to cause difficulties today.

I can work with you. I can suggest a credit agency who can produce a credit history report about you. We can make sure it accurately reflects your financial position. I can then approach specialist lenders who are willing to look at applications from people who might have had in the past:

  • County Court Judgements (CCJs)
  • Previous mortgage arrears/defaults
  • Other loan defaults
  • IVA

In the event that we are not able to secure you a satisfactory mortgage offer, that’s not the end of the story. We are willing to work with you to improve your credit rating so your dreams of owning a property can be brought to fruition further down the line.

Email or call me today to arrange a free consultation meeting.

We can compare mortgage illustrations so you can be confident your mortgage is the best for you and your circumstances. From the initial interest rate, to the total amount payable over your product term – we can talk you through the numbers.

The first place to start with any mortgage is often calculating how much you can borrow. We are happy to look at this along with any other mortgage queries with no obligation during our initial consultation.

Protecting your family and loved ones is crucial, especially when you take out a mortgage. We can advice and arrange a number of different solutions tailored to your needs and your budget. We offer life assurance, critical illness cover, income protection and more.

Mortgage Life Insurance

For most home owners, your mortgage is likely to be your largest monthly outgoing. When everything in the household is running smoothly, that is not a problem. Insurance exists for occurrences that we don’t like to think about. A mortgage life policy is to help your dependants cope financially if you die, so meeting financial obligations is not such a burden for them.

Typically, most people are looking for a decreasing term life insurance policy, known as mortgage life insurance. The policy runs for the length of your mortgage. The amount you are covered for decreases over time as you pay down your mortgage, but the monthly premiums are the same.

It is important to know that if you borrow extra money, for an extension for example, or to extend the term of your mortgage to bring down your monthly payments, that your life insurance covers these circumstantial changes.

I am experienced in sourcing products and can recommend policies closely designed to meet your circumstances and those of your family.

Email or call me today to arrange a free consultation meeting.

Critical Illness Insurance

Critical Illness insurance is a long-term policy that pays out a lump sum in the event that you have a critical illness that is covered by the policy. The payment can help with meeting future expenses, be that mortgage / rental payments, or changes to your house to accommodate your new situation. It is your choice how to spend the money. The policy pays out once and then ends.

With advances in modern medicine, many critical illnesses are now curable for example various cancers. As the policy pays out on diagnosis, you are able to give total concentration to your recovery.

Email or call me today to arrange a free consultation meeting.

Income Protection Insurance

If you become too ill to work an income protection policy will provide an income until the policy expires. There are different levels of income protection cover:

  • Own occupation; you can’t do your own occupation
  • Suited occupation; you can’t do your own job or a similar one that suits your qualifications and experience
  • Any occupation; you’re too ill to do any kind of work.

It is important to take advice on income protection. It is one of the more complex insurance areas and there are questions of interpretation as to whether a policy holder meets the definition of the policy. An own job definition can be quite tightly worded so there might be less scope for dispute – that also makes this policy the most expensive of the three.

How much you get paid, for how long and when payments start are all questions that need addressing ahead of time. The premium will be affected by your age and lifestyle.

Speak with us to find out if income protection insurance might be relevant in your particular circumstances.

Email or call me today to arrange a free consultation meeting.

We can advise buildings and contents insurance for your new home, or look to switch you on to a new policy.

Buildings and contents

As part of our complete service we are able to obtain competitive building and contents insurance for you. It’s one less job for you to think about and we might have access to products only available through the broker channel.

Bridging loans can be useful to help people complete the purchase of a property before selling their existing home. We can help you identify your bridging loan options and calculate the costs involved with this process.

These types of loans are meant as a short-term funding option.

Bridging loans are popular to help people complete the purchase of a property before having sold their current home. In essence it is short term access to money at a high rate of interest. Other uses for bridging loans include helping someone planning to sell-on quickly after renovating a home or helping someone buying at an auction.

If you are considering a bridging loan do seek the help of an expert, an FCA broker, who as well as finding a suitable deal will also ask you about your exit strategy for the loan.

Email or call me today to arrange a free consultation meeting.

Ashton Taylor Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Ashton Taylor Ltd is a company registered in England and Wales with company number 10706907. The registered office address is Forest Lodge, Forest Road, Woking, United Kingdom, GU22 8NA. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.