The right mortgage to
suit you

First Time Buyers

We love helping First Time Buyers get on to the property ladder and into their first home.

The first time is always most daunting, and that’s why we will be there to hold your hand every step of the way.

Step one is to help you work out how much you can borrow and what kind of deposit you might need. Ask for this help as early as you can – the more information you gather the better.

One thing we have lots of knowledge on is ‘deposit’ – how much you need, what difference a bigger one makes, how family might be able to help out with a gifted deposit, whether any government schemes might be able to help. We can also help with advice on credit score, maximising affordability and getting in good ‘mortgage shape’

We can go through all the terminology, guide you to the best mortgage for you and leave you ready to enjoy the house hunt with all the stress left behind.

Moving Home

Moving home can be stressful.  But we can help with all aspects of this process, from working out what you can afford, setting a budget, helping you decide what to do and when to do it.

The housing market changes all the time, and the process changes when it does.  We have worked in most markets and every scenario. We can advise on how best to move quickly, surveys, trade reports and what to do next.

We make the whole process simpler, smoother and more ‘zen’. It’s more than just the mortgage, it’s being the people totally on your side, by your side, every step of the way.

Remortgage

Once you are in your dream home, we can help with the ongoing management of your mortgage. Helping make sure that you remain on a competitive rate as the mortgage progresses.

As people we tend to be loyal to a brand. In the past this would be the bank that you have your mortgage with, this is now a thing of the past and any savvy mortgage customers, shop around and find the best deals from the whole market.  We like to combine doing this for you, whilst giving you the brand to be loyal to ‘Sphere’.

We help both existing customers and brand new customers renegotiate their mortgage terms and switch to a new fixed rate of variable rate, based on the market and personal circumstances. We combine searching from the best deal with your current lender and the rest of the market, with giving you tailored advice, based on your personal circumstances and the economic market at the time.

You might also want to raise finance for other things at this time too.

• Home Improvements
• Debt Consolidation
• Family
• Further property purchase
• Divorce Settlement

Please don’t just click onto a new rate offered by your lender online, make sure you pick the right mortgage for you and the world by ‘sense checking’ this with an adviser.

Keep your mortgage in our safe hands.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service https://www.moneyadviceservice.org.uk/en/tools/debt-advice-locator these services may be more suitable for you.

Self Employed

Who is ‘Self Employed’ – for a bank that covers lots of different types of people:

• Sole Traders
• Partnerships
• Limited Company Directors
• Contractors
• CIS workers

Lots of people fall into these categories, and getting a mortgage is harder and more complex for you if you do.  Getting advice from an experienced professional is essential and really valuable.

Different lenders will want different paperwork, will let you borrow vastly different amounts and also taking advice from an adviser, in tandem with your accountant can be really helpful.

We can help every step of the way and find the right company for you, with all income factors considered.

We relish any challenge to get our self employed clients the mortgage they want and need.

We don’t like to say ‘No’, instead we prefer ‘How can we make this work?’

Adverse Credit

Is your ‘credit score’ making getting a mortgage feel difficult or overwhelming?

With extensive experience with clients with lots of different credit problems we can try and help. When you can use all the different lenders and also have access to specialist lenders who deal with these credit score challenges, we would love to help you still get into your dream home.

• Missed payments
• Defaults
• CCJ’s
• Individual Voluntary Arrangement
• Debt Management Plan
• Bankruptcy

Buy to Let & Investment Properties

We have extensive experience helping all kinds of people onto the road to owning buy to let and other investment properties.

Whether you are looking to buy your first property to let out, would like to explore keeping a property to rent and buying elsewhere, would like a holiday let, or are an experienced portfolio landlord buying through limited companies, we can work with you to find the right solutions for your property goal.

When investing in property having an adviser who understands the market, gets what you are trying to achieve and has the experience to help you efficiently is essential.

Our advisers along with our administration team are on hand to make sure that this whole process runs as smoothly as possible.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES.