Signature Mortgages is a professional mortgage and insurance brokerage located in St Asaph, North Wales, with clients throughout North Wales and the United Kingdom. We recognise that everyone has their own requirements and we work hard to offer outstanding personal service. We are not tied to one particular lender and have access to a whole of market panel when it comes to arranging mortgages and other home and property finance.
Contact Signature Mortgages today for a free initial no obligation discussion for all your Mortgage and Protection need. We care about getting you your ideal mortgage. Buying your home can be a daunting process and is a big commitment. Here at Signature Mortgages we believe in building relationships and are always on hand to help you every step of the way.
Contact Signature Mortgages today for a free initial no obligation discussion for all your Mortgage and Protection need. We care about getting you your ideal mortgage. Buying your home can be a daunting process and is a big commitment. Here at Signature Mortgages we believe in building relationships and are always on hand to help you every step of the way.
Services
If you're a first time or inexperienced property buyer, you may find the following steps helpful when buying a home. If you choose Signature Mortgages we will be here to help you every step of the way. Step 1 - Find your ideal home. But visit at least twice before making an offer. Drive past at different times of day to identify things like parking problems or heavy traffic.
Stepping onto the property ladder can sometimes be quite straightforward. That is if you are fortunate enough to have a large deposit, a regular substantial income and no previous credit issues. Unfortunately not all first time buyers are in this enviable position. Today, especially with the downturn in our economy, it can be a struggle for first time buyers to purchase their first dream home.
Also known as capital mortgages, repayment mortgages are the traditional means of paying for a property so that eventually it becomes fully yours as a result of the payments. The term of a repayment mortgage is typically 25 years and at the end of that period you would, if payments have been kept up, owe nothing to the lender.
The commercial mortgage market has expanded and diversified considerably over the last few years with more lenders offering commercial mortgages and funding. More people have decided to become self employed and set up business, so lenders have had to wake up to the fact that they need to diversify their business offerings and provide good quality services and competitive rates to attract new business.
Advantageous mortgage rates and low performance by conventional savings and investment products mean that property / buy-to-let investments can be an investment for the future. Rent Potential - The decision any mortgage lender will make as to whether or not a mortgage will be offered / how much money they will lend, is usually based on the rent you will earn and not your income.
Reviews (3)
Matthew Wilson
Aug 16, 2017
Report
I thought all was lost as had some adverse info on my credit file due to a divorce. Been messed around and basically mislead by several mortgage companies who didn't even know their own lending criteria. Richard sorted it in one meeting. I couldn't recommend him highly enough. As mortgages are far more complex these days you really need to see someone with a lot of experience. Richard has it.
M Wilson, Managing Director.
M Wilson, Managing Director.
Ian Rogers
Dec 21, 2016
Report
Steven Marshall
Jan 03, 2015
Report
We thought it would be a number of years before we would be able to get the mortgage we did. Signature mortgages worked tirelessly to get us a great deal that meant our plans for our next step up the property ladder will become a reality. Thanks to Signature Mortgages our quality of life will be increased no end.
