At Chelsea Hardie Mortgage Solutions, we believe that mortgages are so much more than just money. They are just one element of a number of moving parts when it comes to any transaction. We want to strive to give our clients more time, more value and more relationship building as well as being determined to give the optimal service possible.
We will work at times that suit our clients and their families, offering appointments via video calls, telephone or face to face, giving you the benefit of a first class service, around your own schedule, and in the comfort of your own home.
We offer a variety of tailor made services, that meet the needs and requirements of clients completely bespoke to them. This will be based on affordability, criteria & current and future plans allowing them to make informed decisions about their finances together. We hold the hand’s of clients from the moment we have our first appointment, right up until they pick up the keys and move in or complete on their transaction providing them with information and guidance to make sure they get the right deal for them.
What are you waiting for? Let Chelsea Hardie Mortgage Solutions guide you on your Mortgage Journey! Everyone’s is different!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Buying Your First Home
Purchasing a first home can be so exciting, but equally daunting when taking these first steps into the property and mortgage world.
When searching around and seeing what properties clients like and what they don’t like, areas they like and what they don’t like, clients will see so many varieties of property – so why not compare lenders and their deals too in the same way?
Getting on the property ladder does not have to be scary or a challenge, it can actually be a lot of fun with professional support, advice and bespoke recommendation to the client.
Initially we can start right from the start of the process, whether that is saving up to a target figure for the deposit needed or perhaps making credit reports as clean and positive as possible to put clients in the most attractive position in preparation to make the move, right through to dealing with the mortgage application itself.
At Chelsea Hardie Mortgage Solutions, we help a range of prospective first time buyers in helping them understand and overcome the steps involved in purchasing their first home, clearly, easily as well as adding an element of excitement and fun. We shall hold your hand all the way through your journey right up until you pick up those keys and move in.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Buying To Let
Whether you are an experienced landlord with a portfolio of properties or looking to buy your first investment rental property, Chelsea Hardie Mortgage Solutions can help identify and arrange the right buy-to-let mortgage for your needs and requirements.
It is really important clients understand the different mortgage options available and how the type of investment can provide funding for a property a client would like to rent out as an income stream.
It could be a more specialist transaction than a standard investment purchase, for example a holiday rental or to multiple individuals who each have a separate agreement with the landlord perhaps. The type of finance required and available will depend on the lender but at Chelsea Hardie Mortgage Solutions, we shall guide you through this process and provide advice and recommendation on individual needs and requirements.
Most Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Re-mortgage
A re-mortgage transaction is a fantastic opportunity to re-evaluate client’s finances making sure the mortgage still fits in with their needs and requirements at that moment in time.
There are so many reasons that a client will re-mortgage their property, whether this be making improvements to their property which could increase its value in the future, perhaps paying off a lump sum to reduce the lending down or making sure clients are not paying more for the mortgage than needed to by considering different products available to them.
At Chelsea Hardie Mortgage Solutions, we shall discuss all options available as well as clearly and simply explaining the process giving the client the chance to think, reflect and make an informed decision on how they wish to proceed.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Moving Home
Moving home can be just as daunting as it was when clients bought the property for the first time… even though they have already done it once! This time it can be quite overwhelming as in this transaction there are usually two parts – the sale and the purchase.
However at Chelsea Hardie Mortgage Solutions this transaction is equally as exciting because this is the next step in client’s journey. Whether this be upsizing due to family, job relocation or just moving to a different area locally, it is just the next step on the ladder.
We shall go through the process of the transaction, what is entailed, timescales, affordability and all of the costs involved when making this move so the client is in the strongest position possible for when they find the next perfect house.
We make sure the transaction is as fun, simple and stress free as possible and we are here to answer any questions about the transaction. We shall hold your hand all the way through your journey right up until you pick up those keys on completion and move in… again!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
New Build / Shared Ownership
At Chelsea Hardie Mortgage Solutions we are able to give advice and recommendation on New Build homes as well as Shared Ownership homes. This is a great opportunity for clients that would like more knowledge on rewards and advantages of buying a New Build or a Shared Ownership home.
We shall provide details on the process of the transaction, what is entailed, timescales and affordability, as well as a simple and clear explanation on how schemes work, making sure the clients fully understand and giving them the time to consider and make an informed decision on how best to proceed for them.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE