Mortgage Services
We go the extra mile to ensure we give you the advice we would give a member of our family & always go above and beyond for our clients, making sure every step is fully explained with no jargon regardless if its your first home or anywhere else on your journey.
First Time Buyers
Buying your first home can be daunting & can feel like a minefield however we will help and guide you through each step and will help you choose the right mortgage lender to ensure that you successfully climb up the property ladder. We are the specialists, and we will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Moving Home
Buying and selling a property can be a very stressful time, especially if you don't want to buy & sell on same day or you have existing deal with penalty to exit and so don't know where to start. We are experts and take all this stress away so let us make the process of purchasing your new home that bit easier by finding a new mortgage rate that is right for you.
Remortgages
For our existing clients we like to proactively track and secure mortgages at least 6 months prior to renewal meaning if the interest deal goes down we simply redo all paperwork downwards and if they increase you have got the best deal meaning you are in a no lose situation.
Debt Consolidation
Consolidating your debts is an effective way to lowering the amount of payments you need to make on a monthly basis by remortgaging your house. The mortgage that you get on your home can then be used to pay off debts and often, you might find a lower interest rate on mortgages in comparison to credit card debts and other personal loans. Contact us to find out more about debt consolidation.
Think carefully before securing other debts against your home. The overall cost of repayment of other debts might be more when added to your mortgage. Your home might be repossessed if you do not keep up repayments on your mortgage.
Self-Employed - Contractor
Being self employed can sometimes make a mortgage a little more difficult to obtain. Often working for yourself means fluctuating pay with no 100% certainty you will earn the same as the month before. Lenders know this and want to see proof that there is stability with income over a certain period of time. We will provide a thorough professional service, to ensure that you get a deal that meets your individual needs.
Buy-to-Let Mortgages
Buy to Let mortgages allow you to invest in property with the intention of letting it out and building a property portfolio that helps you earn extra income. This is an excellent secondary source of income for many people in the UK, especially if you plan to save your incomings for a stable retirement. It should not be seen as an easy way to make money, and should be viewed as a long term venture. Contact us to find the best mortgages for buy to let properties!
Adverse Credit
We believe sometimes life happens and this can result in less than perfect score we wont judge just listen and ensure we work tirelessly to assist you on getting back on track and getting your new home.
The interest rate is likely to be higher and the application process may be more complex.
Right to Buy Mortgages
We have a wealth of experience when it comes to arranging right to buy national mortgages. Right to Buy is a government scheme that lets you buy your home at a substantial discount if you’re a council tenant. Discover your eligibility for the scheme by discussing the options with us.
This is just a selection of the Mortgage solutions that ISK Complete Mortgages Ltd can provide, based in Glasgow and serving a client base across Scotland. Please get in touch if you would like to discuss your options.