We offer very personalised home mortgage solutions and insurance services.
With access to the whole market, we’ll be right by your side every step of the way through your purchase.
We'll be with you right through the buying process ...
up to receiving the keys to your new home.
We offer a FREE ‘no obligation’ initial mortgage consultation to help you choose the type of mortgage you need. We can do this in person or via a Zoom meeting, in the form of a brief informal chat.
We will however need to find out a little more about your personal circumstances with regard to mortgage affordability but once we have done this, we will be able to knowledgeably advise you on what types of mortgage will be open to you.
We’ll do all the searching for you (across the whole market), so there’s no need to trawl the internet or keep answering the same questions posed by each individual building society or lender. In fact, we build strong relationships with most of the mortgage providers and with our knowledgebase, we’re able to compare deals / rates so that you don’t have to spend time filling out the same answers to the same questions!
Be assured, whether you are a first time buyer, moving house, re-mortgaging, or buying-to-let, we will be able to find you the best options from a vast range that will include fixed rates, trackers and variable deals.
Want to own your own home …but don’t know how to find the right mortgage, then talk to SIMKey Mortgages.
We’re here to steer you through the many mortgage solutions and find you the best solution using our ‘whole market’ contacts and knowledge.
We will provide you with the help you need all of the way through to obtaining the keys to your new first home!
Is it time to expand your horizons, let SIMKey help you find the right mortgage for that bigger dream property.
SIMKey can help with selling you current home, negotiate for your next purchase and help with budgeting to ensure you have the necessary funds to complete the purchase of your new home.
It’s sometimes quite difficult to obtain a mortgage when self employed but SIMKey will expertly advise you and approach suitable lenders.
Again, we will work with you to find the best mortgage for your needs
There are a number of reasons that people look to remortgage.
Whatever you are trying to achieve, our expert advisers are here to help. This could be to:
– obtain a better rate
– consolidate debt
– home improvements
OR you may be thinking of buying a BTL (Buy to Let), as an investment.
You may have poor credit and have found it difficult to find a reputable mortgage provider?
Whether your adverse credit is due to a low credit score, previous late payments, defaults or a county court judgement, SIMKey may still have suitable options to help achieve home ownership.
If you are looking to invest in multiple properties, the Buy to Let market is assessed very differently to buying for your own use.
A buy to let property can be a good way to provide a passive income or grow investments for a pension plan.
Talking to a SIMKey advisor may help you achieve your investment goals.
Buying a part-share in a property is a new route to home ownership.
Usually offered through a Housing Association, part ownership can help you onto the property ladder.
The share can range between 30% and 50%, sometimes more.
You do however have to bear in mind that the remaining portion of the property cost is charged as a monthly rent and there can also be additional maintenance costs!
We’ll help you with this method of home ownership too.
With a ‘Help to Buy’ equity loan, the buyer provides a 5% deposit for the purchase of a new-build property.
The current government scheme will then lend up to a further 20% – 40% of the cost; a mortgage is then needed to cover the rest of purchase.
There is a maximum purchase price for this scheme and the government’s part of the loan is interest-free for the first five years.
From year six, you’ll be charged interest which increases every year after that but we can advise you on the best way forward.
We can help by referring you to specialist Commercial mortgage providers who will find and obtain the right Commercial Mortgage for your business.