If you’re looking for a large mortgage, it’s not just about your salary. Lenders will look at your overall financial situation, including your total wealth, income sources, and other assets. If you have a lot of investments, irregular income, or complex finances, here’s how to navigate the process:
What Lenders Look For
- Total Wealth and Income:
- Net Worth: This includes everything you own, like property, investments, and savings.
- Income Sources: High net worth individuals often have irregular or multiple income streams, such as business profits or investment returns.
- Assets: Lenders also consider your investments and other valuable assets.
- Why You Need a Mortgage Adviser:
Getting a large mortgage can be complicated. Here’s how a mortgage adviser can help:
- Expert Advice: Advisers know how to present your financial details in the best way. They understand what lenders look for and can help you meet their requirements.
- Best Deals: With access to many lenders, advisers can find the best mortgage deals for you. They know which lenders handle complex cases and can get you favourable terms.
- Maximise Your Mortgage: Advisers can help you prepare so you get the maximum amount you’re eligible for, improving your chances of approval.
- How We Can Help:
Here’s what we do to make the process easier:
- Preparation: We’ll help you gather and organise all the necessary documents.
- Lender Matching: We find and approach the right lenders for your situation.
- Application Management: We handle the details and paperwork, making sure everything goes smoothly.
- Why Choose Us:
At Ingrid Cairns & Associates, we specialise in high-value mortgages. We offer expert advice and access to a wide range of lenders to help you get the best deal possible.
If you need a large mortgage and want to make sure you’re getting the best terms, contact us. Our team is here to guide you through the process and help you achieve your financial goals.
Reach out today to start your journey towards securing a high-value mortgage that works for you.
Your Home (Or Property) May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage. Some Forms Of Buy To Let Mortgages Are Not Regulated By The Financial Conduct Authority. A Fee May Be Charged For Mortgage Advice. The Exact Amount Will Depend On Your Circumstances But It Will Not Exceed £495.
