MORTGAGES

Let our mortgage advisers find you the right loan for your circumstances.

In the UK, mortgages are distributed directly from the lender or via the intermediary market. With so many channels available, not to mention thousands of mortgage products to choose from, finding the right home loan can be confusing, if not overwhelming. 

Getting honest, professional advice from mortgage brokers is by far the best way to find and secure an arrangement that best meets your needs. 

Regardless of whether you are a first-time buyer, an experienced home mover, or someone who is simply looking to remortgage, the team here at AIC Financial can help you find the right agreement at the right price and on the right terms.

WHAT SETS US APART FROM OTHER MORTGAGE BROKERS IN ESSEX

We can be creative and think outside of the box

If you don’t believe you have any chance of securing a mortgage on your dream property, it could be time to think again. These days, there are lots of schemes available that can help you get a leg up onto the property ladder – and after assessing your requirements, we can point you towards a product that will make your investment achievable.

From helping you navigate government-backed schemes like Help to Buy (active in Wales until September 2026) and Right to Buy, to advising on mortgages that have been specifically designed for customers with poor credit histories and/or more complex income structures, you can rely on our mortgage brokers to find you a solution that suits your unique requirements.

We’re constantly reviewing the market – and mortgage criteria

Mortgage products and requirements are frequently changing. We have access to sourcing systems that enable us to stay up to date with the latest deals from a wide pool of providers. We’ll delve deeper than the headline rates to look at what the most recent deals really mean for our customers, and we’ll scrutinise all the terms and fees to make sure our homeowners know what to expect from their contracts from day one. 

WHAT TYPES OF MORTGAGES CAN WE SOURCE?

The mortgage advisers here at AIC Financial Ltd primarily deal with two types of mortgages: residential and Buy to Let (BTL) mortgages. 

Many of these deals can be secured on fixed rate, tracker rate, and interest only terms. Offset mortgage arrangements are also available.

RESIDENTIAL MORTGAGES

  • We source mortgages from a wide selection of providers, including High Street banks and more specialist lenders
  • We’ll help you navigate each lender’s specific criteria, ensuring you have the best chance of being accepted before you submit your application
  • After assessing your case, we can offer you a free Agreement in Principle to help you prove to mortgage providers that you have the funds and the means to apply for a home loan
  • We can be on hand to guide you through the entire mortgaging process, from finding the right deal to completion

BUY TO LET (BTL) MORTGAGES

  • We can advise on your eligibility for a Buy to Let mortgage based on your income, age, property type, and existing property portfolio
  • We can even assist first-time landlords with no prior experience of purchasing residential or BTL properties
  • We can help you mortgage or remortgage your Buy to Let property in the most tax-efficient way possible
  • We can outline all the additional costs involved in your purchase and its ongoing maintenance
  • We can help you explore other means of funding your Buy to Let investment, if required

WHAT YOU NEED TO KNOW

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

For mortgages a fee of up to £750 could be payable. There may be a proportion of this due on application with the balance on offer/completion. This is dependent upon the complexity of the mortgage and will be advised at the first point of contact. This fee is for advice, research, recommendation, implementation (e.g. application, administration of arranging the loan). We will also be paid by commission from the lender.

 Should you wish you can request to view the commission rates from each of the lenders we have considered at the time that we make our recommendation to you.

NB- The amount of commission will vary depending on individual circumstances; the lender and product. The exact amount of the commission will be explained to you before you apply for a loan.

Please note that some Buy to Let mortgages are not regulated by the Financial Conduct Authority (FCA).

REGULAR REVIEWS AS STANDARD

We offer regular reviews to ensure your current mortgage still meets your needs. To arrange an initial free, no-obligation consultation with one of our Essex-based mortgage brokers, please call our office on 01787 222741 or emailing us on info@aicfinancial.co.uk.