Mortgage Services

Finding the perfect mortgage

Finding the perfect mortgage isn’t always a walk in the park – so, why not hand the hard work over to us? From remortgaging to buying your first home, we’re here to help.

Remortgage

Trying to remortage your home can be almost as stressful as buying it in the first place, but don’t let it get to you.

Here at Cooke Mortgages, we’re all about keeping things simple because, no matter if it’s your first time doing it or you’re a remortgaging veteran, it’s still super important to make sure you’re getting impartial advice every time.

And whether you’re doing it because your current fixed rate is coming to an end or you want to release equity for home improvements, we’ll be here to help you every step of the way.

The best part? We’ll even tackle that paperwork for you.

You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy-to-let

Thinking about buying and then renting out a second home? Then you’re probably going to need a buy-to-let mortgage – and that’s where we come in.

When renting out property, we know that every penny counts if you hope to make a profit, so, with our experience and expertise, we’ll make sure you’re getting the best deal that works for your needs.

From helping you get the ball rolling as quickly as possible to offering expert advice when needed, you’re in the right place.

Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Let-to-buy

Are you looking to keep & rent out your current home whilst moving into a second home? A Let-to-buy mortgage allows you to use the equity from your current home to purchase a new residential house.

Our team can search for the very best let-to-buy mortgages that will allow you to rent out your current property and move into your perfect new home.

We make the process as simple as possible for you and take away all the stress that may come with dealing with 2 or more properties.

Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Moving home

No matter how many times you move, the mortgage and solicitor process is always changing (so, don’t get caught out).

With our talented team, we can make sure you’ve got all the information you need to make informed decisions about how to sell your home with our two-stage appointments.

How it works? We’ll look at all the costs of selling your property, as well as what’s required for your onwards purchase, so you’ve got everything you need to feel confident about your move.

And when that’s all done, say goodbye to stress and let us be the reassuring voice that offers advice and helps you juggle all the elements of moving house. You won’t regret it.

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

First time buyer

If you’re ready to buy your first home, first off – congrats! This is an incredibly exciting time and you’ll certainly be forgiven if you’re finding it all a little daunting.

Don’t worry, though, you’re in safe hands. We know how important it is to make sure you’re choosing the right mortgage, so our flexible service is all you need to get started.

In fact, being a first-time buyer can actually give you some real opportunities when it comes to entering the property market.

With the aid of the Help to Buy scheme, we can help you finally secure a place to call your own by finding the perfect mortgage to suit your needs.

Not only that, but we’ll guide you step-by-step through the process, so you never feel lost or left behind.

Schemes we can support include:

• New builds – Often, developers will offer incentives and deals to help you get on the ladder
• Help to Buy (Equity Loan Scheme) – A scheme where the government lends up to 20% of the cost of your newly built home, with just a 5% deposit required from you
• Help to Buy (Shared Equity Loan) – For those who can’t afford the mortgage on 100% of a home, this offers you the chance to share your home (between 25% and 75% of the home’s value) and pay rent on the remaining share.