PF Financial

Let us find you the perfect Mortgage

Whether you’re a first time buyer, a buy to let landlord, moving house or looking to remortgage, we’re here to help make that process as painless and stress-free as possible. 

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Mortgage Calculator

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The figure provided in the Mortgage Calculator is an indication of the maximum possible mortgage based on the salary figures you have entered. However, lender criteria varies considerably and this figure could change once your full situation is known. Contact us to discuss this further

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Why Choose Us?

Mortgages for all situations

We are particularly experienced in finding mortgages for clients with different or unusual circumstances.

Only available on new-build properties, the Government will lend you up to 20% of the property price, which means you will only need a 5% deposit and a 75% mortgage. The equity loan will increase with the property price and repayments are due after 5 years.

If you can’t quite afford the mortgage on 100% of a home, shared ownership offers you the chance to buy a % of the property and pay rent on the remaining share.

If you are a sole trader, contractor, run a limited company or partnership, we can assist you in finding the right mortgage to suit your particular circumstances.

If you’re a director who draws both a salary and takes dividends, we can find the best mortgage rate to suit your circumstances.

Second charge mortgages are loans secured on your home and can offer an alternative to remortgaging.

By linking your mortgage to your savings, you can use your savings balance to reduce the amount of interest charged on your mortgage.

Generally available to first-time buyers looking to take their first step on the property ladder, a mortgage with a guarantor (generally a parent) can be a useful method of purchase.  A guarantor must be prepared to maintain the entire mortgage should the first applicant fail to maintain the payments.

Although still common for BTL mortgages, it has now become increasingly difficult to obtain interest-only for residential mortgages.  However, we still have access to a number of lenders offering this option to applicants with a legitimate repayment vehicle.

This scheme allows most council tenants to buy their council home at a discount.

If you have found your new home, but haven’t sold your current property, a bridging loan is a good short-term funding option.

If you are looking for a mortgage of over £1 million, our team of experienced advisers can help.

If you have 4 or more properties, lenders will put you in the ‘portfolio lending’ category and will assess all your properties based on affordability and rent.

If you’ve defaulted on mortgage payments or other credit arrangements, have CCJs or a low credit rating, getting a mortgage may be difficult, but it’s not impossible.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debits secured on it

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