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Since the credit crunch the banks have tightened up their criteria and new rules which came into force in April 2014 have tightened up their lending criteria even further. One bank may decline an application however there may be several others which would approve a mortgage. This is where a specialist mortgage broker can provide solutions. FTA Mortgages Ltd can provide comprehensive mortgage advice in the following areas and welcome any enquiries:

Residential Purchases 
For clients looking to purchase their first or subsequent homes, looking for a property for a dependent relative or even looking to transfer your existing mortgage to a new property.

Remortgage Options 
If you are on a variable rate mortgage or coming to the end of your current mortgage deal, we can search the market and see if there is a better option and potentially save you money. If you need to raise capital and withdraw funds from your property to pay for home improvements or use as a deposit to purchase another property, this can be done by way of a remortgage.

Buy to Let Purchase or Remortgage options 
If you wish to invest in Buy to Let property, we can arrange mortgages to purchase or refinance a rental investment property portfolio.*

Bridging Loans 
If there is a delay between selling your old property and buying your new one we can arrange a bridging loan for the interim period. We can also use bridging loans to purchase property at auction.*

Broker Only Lenders
Besides the High Street lenders, we also have access to lenders which only deal with brokers and provide competitive rates.

FTA Mortgages provide a personalised service and arrange Mortgages, Remortgages and Buy to Let mortgages.*

To get a financial pre-assessment and see how much you can borrow, please contact FTA Mortgages on 0333 800 1621 or send an email.

* The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

FTA Mortgages Limited charge a fee for the advice and arrangement of any application. For establishing your needs, undertaking research, making a recommendation and obtaining a mortgage offer, there is typically charge a fee of £995, upon issue of your mortgage offer. However, for complex cases such as debt consolidation, adverse credit, raising mortgage monies for business purposes or 2nd charge mortgage, there maybe a charge up to 3% of the loan amount, for example, on a £50,000 capital raising mortgage for business purposes, our advice fee could be £1,500.

The guidance provided within this webpage is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

FTA Mortgages Limited is an appointed representative of TenetLime Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime limited is entered on the Financial Services register under reference 311266.

FTA Mortgages Limited registered in England and Wales under reference: 10312488

Trading address: 1 Bradmore Building, Bradmore Green, Brookmans Park, Hertfordshire AL9 7QR

Registered Office: Wren Cottage, Hillbury Road, Fordingbridge, Dorset SP6 3BH

FTA Mortgages Limited is regulated and operated as a completely separate company to FTA Finance Limited & FTA Wealth Management Limited. FTA Mortgages Limited will issue an Initial Disclosure Document to explain the scope and regulation of our service.

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