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Mortgages

First Time Buyer

It can be a confusing time when looking at buying your first home, Zest Financial Ltd will talk you through the house buying process from finding the property through to moving in.

Homemover

Zest Financial Ltd, can help take the stress away when looking at moving house by finding the mortgage most suitable for your needs.

Remortgage

Remortgage gives you choice, and control! Zest Financial Ltd can make this easy for you.

Right to Buy

Right to Buy is a scheme under which longstanding local authority tenants are entitled to purchase their homes at a heavily discounted price. To qualify for the scheme, an individual must be a tenant of at least two years' standing

What do we typically need?

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There may be a fee for advising on and arranging your mortgage and the precise amount will depend on your circumstances. This will typically be £395.

Help to Buy

With a Help to Buy Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.

Shared Ownership

It is the most common affordable purchase option, quite simply you purchase a share of the property, with the remaining proportion being retained by a Housing Association who then charge a monthly rent. Share values vary but most commonly they are between 30% and 50%

Buy To Let

The market is continuously changing and we aim to keep our advice clear and simple. The Buy to Let market is assessed differently to those moving into their own home to live. Lenders always have criteria and you need to fit within their parameters for you to be eligible to obtain a mortgage from them.

Specialist Buy to Lets, Using a Ltd company to buy a buy to let. Or having a house of multiple occupancy ( HMO)

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority

Your home may be repossessed if you do not keep up repayments on your mortgage.

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