Considering applying for a mortgage?
From First time Buyers to Commercial Finance, Durant & Co are happy to help!
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Learn more about the types of mortgages
Durant & Co can assist you with
Product Range
The world of mortgages can be a daunting experience to even the most experienced property purchaser. Whether you are a first time buyer, upsizing or downsizing, looking to buy your next buy to let or commercial property, or just wishing to release some equity from your current property, we are here to help take all the stress away, giving you more time to do the things you enjoy.
First Time Buyer
First Time Buyer mortgage
Thinking of buying your first home?
It can be quite a daunting proposition. Where do you start? Do you have enough deposit? Will your parents need to help with a springboard type mortgage or being a guarantor? Can I use my Help to Buy or Lifetime ISA? How much can I borrow? The questions can be mind boggling and endless.
We find you the best product
We help you in every step of the way
Here at Durant & Co, we will be here every step of the way, making sure that you know what is happening in the process, and what to expect next. We will search the market and find you the best product for you and your needs, leaving you to get on with the exciting things, like planning your decorating or scoping out the local bars and restaurants.
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Remortgage / Moving Home
Remortgage / Moving Home
We advise you on the best
re-mortgaging options
Many of us are looking for a better mortgage deal or would like to release some of the equity in our home to help with that loft conversion or other home project, maybe gift a deposit to our children to help them get on the property ladder, or maybe just to consolidate some debts to potentially reduce your monthly outgoings, but it isn’t always as straightforward as it may first appear.
Review your existing mortgage terms
Find you the right mortgage
Here at Durant & Co we work with you to advise you on the best re-mortgaging options
Checking the terms and conditions of your existing mortgage, we will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. Once this is established, we will then undertake some research, and find you the right mortgage on the market at the time. You can then decide if it is worth switching to a different rate or staying until the end of your fixed term period.
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Buy to Let
BUY TO LET
Invest into the residential property market
Buying a BTL property is proving to be an ever-popular way in recent years to invest into the residential property market. Whether that’s to bring in a small income in retirement, or just to supplement your monthly income, more and more of us are doing it.
Speak to Durant & Co today, to see if, and how equity release can help you.
A common misconception on Buy to Let mortgages is that they are Interest only. Whilst this is true that a vast majority are Interest Only, you can also get a Capital Repayment Buy to Let Mortgage, meaning that you could be mortgage free on your additional properties by the end of the term.
Durant & Co work alongside a range of BTL lenders who specialise in everything from First Time landlords, to portfolio landlords. Most Buy to Let mortgages are not regulated by the FCA.
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Second Charges
SECOND CHARGES
What is a second charge?
Here at Durant & Co we work with a multitude of Second Charge & Bridging lenders, but what is a second charge?
A second charge mortgage allows you to use any equity you have in your home as security against another loan. It means you will have two mortgages on your home. Equity is the percentage of your property owned outright by you, which is the value of the home minus any mortgage owed on it.
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Commercial
COMMERCIAL MORTGAGE
What is commercial mortgage?
Durant & Co are proud to work along multiple lenders to offer Commercial Mortgages. But what is a Commercial Mortgage?
A Commercial Mortgage is a loan secured on a property that isn’t used for residential purposes, for example, a factory unit, or office unit.
Multiple lenders
Right product for you
Many lenders will do a Mixed-Use semi-commercial product, ideal for something like a public house where a percentage is for commercial usage, and a percentage is for residential use, all on the one title.
Equity Release
EQUITY RELEASE
We advise you on the best
re-mortgaging options
Equity release is becoming more and more popular with the over 55’s, with the equity release market lending reaching almost £4billion in 2018 according to a study from the Equity Release Council, with more people releasing equity from their properties for many reasons, and a vast variety of products on the market, the demand for equity release is ever increasing, with people using the equity release on things like new car, house conversions or helping their children and grandchildren on the property ladder by providing them with a deposit.
Speak to Durant & Co today, to see if, and how equity release can help you.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
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