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Before you make an offer on any property you need to make sure you can get a mortgage – this is where AMS can help as we can secure you a Decision in Principle in an hour or less. Once you have decided you like a...
APR The Annual Percentage Rate - the total cost of the credit to a consumer, shown as an annual percentage of the total amount of credit. Base Rate This is the rate set by The Bank of England. Buildings Insurance Insurance cover which protects the holder against damage to the...
Your AMS advisor will always endeavour to find any deals, incentives or offers that will suit your needs. For example there may be a cashback incentive whereby a sum of money is given back to you when your mortgage starts. You may use this for...
There are different ways you can choose to have some control over how much interest you pay. You can choose a fixed rate mortgage. This is where the initial interest rate is fixed at an agreed amount for a set period of time, commonly 1, 2,...
Call us on 0121 4000 052 to speak to an advisor who can discuss your circumstances and tailor advice to your own requirements. Your advisor has access to the whole mortgage market as well as dedicated underwriters who will consider your case in person – not...
Entering the world of mortgages can feel daunting, particularly if it’s your first time purchasing a property. However, after you have gotten to grips with the jargon, the process is far less intimidating. The main goal is to ascertain which type of mortgage will best...
Many myths are floating around that suggest a contractor’s mortgage application won’t be accepted. It is true that historically it was more complicated, with lenders asking for years of accounting records to help them feel secure. However, today, a self-employed person is just as likely...
As a contractor there are various arguments for both owning and renting, and it is really down to you whether you decide that the time is right to look into a mortgage or want to keep renting for the foreseeable future. The basic fact is...
There are many different mortgage types available for anyone looking to buy a home. For contractors some of these types may be more difficult to get, but all are still available whatever your situation. You need to choose the right lender to get the best...
A Additional borrowing – Sometimes called a further advance, this is when you increase your total mortgage amount and borrow more money against your property. Advance – The money you are lent to purchase your home Affordability check – A check carried out by the lender to determine how much you...
