Remortgage

Remortgage Finance

Property Finance Choices

Helping you get the right money, at the best price in the quickest time for your house purchase, refinance or business needs.

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020 3758 9393

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sales@propertyfinancechoices.com

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About Remortgage Finance- Property Finance Choices

Welcome to Property Finance Choices, your trusted mortgage broker, here to assist you in making informed decisions for your property financing needs. Whether you are a first-time homebuyer, looking to remortgage, or seeking investment opportunities, we are dedicated to providing personalised solutions tailored to your unique financial circumstances.

At Property Finance Choices, we understand that navigating the complex world of mortgages can be overwhelming and time-consuming. Our team of experienced and qualified mortgage advisors is here to simplify the process for you. We take the stress out of finding the right mortgage by offering expert guidance and a wide range of services to suit your requirements.

Our commitment to transparency and customer satisfaction sets us apart. As independent mortgage brokers, we work with a diverse panel of lenders, ensuring you have access to a comprehensive selection of mortgage products, including fixed-rate, variable-rate, and specialised mortgages. With our assistance, you can compare rates, terms, and features to secure the most competitive and suitable deal for your needs.

Specialist Local Mortgage Broker

A Decision in Principle (DIP), also known as an Agreement in Principle (AIP) or Mortgage in Principle (MIP), is a document or statement provided by a mortgage lender that indicates how much they are willing to lend you based on an initial assessment of your financial situation. While it is not a guarantee that you will be approved for a mortgage, it serves several important purposes and benefits for potential homebuyers:

Get your Free Decision in Principle certificate here

Range of Lenders

Access to a whole range of lenders providing you the most competitive offers.

Dedicated Case Handler

Have just one point of contact to ensure a smooth process.

No hidden costs!

We charge a one time application fee and we sometimes receive commission from a 3rd party lender with full transparency.

Local Expert Guidance

We have been working in this local area for more than 5+ years we understand all the local market trends providing you the best service.

Mortgage Enquiry

Residential Mortgages | HMO | BTL | Refinance | Bridging Finance | Development Finance

Want to start viewing properties?

If you wish to start viewing properties you must first get a Decision in principle this is to show that you can financially afford it. Simply fill in a short 10 minute form below to have a certificate emailed to you.

We are Looking for Introducers.

We are always on the hunt for new people to refer us clients in return we offer a high referral fee which your own ability to track the applications in real time.

The Application Process

Compare and Check

Let us compare the latest mortgage deals for you over the phone, or do it yourself in real-time online using our online application portal.

Apply Online

You won't have to tell us any info twice, we'll keep it and put it in the form so you can check it and apply by phone or online.

Track and Complete

Track your application online 24/7. We'll even appoint a dedicated case manager who'll do all the legwork for you. We will keep you updated every step of the way all the way up until completion.

Voted Trusted Mortgage Broker 5 Years in a row!

Our Partners

Established in 2007, Ashton Reeves are a multi award-winning, independent Estate Agents, receiving accolades from the British Property Awards and The Best Estate Agent Guide.

Twenty years ago, disillusioned with the property industry, Jenny Cobb identified an opportunity for a truly independent family run agency, built on family values of honesty, support and trust.

Hudsons was founded in 2002 by Jonathan Hudson and our mission to this day is to deliver a personal, first class customer experience that exceeds expectations and always delivers excellent results.

Circa London, a trusted independent prime central London real estate agency with an international reach, brings local expertise and superior outcomes to those seeking to buy, sell, rent,

Starting out in the mid nineteen fifties as the brainchild of two London property visionaries, Benham and Reeves is still run today as an independent lettings and sales agent operating from 21 prominently located branches across London.

Berkshire Hathaway HomeServices London Kay & Co | Marler & Marler is the exclusive London affiliate of Warren Buffett’s Global Real Estate Network, Berkshire Hathaway HomeServices.

Frequently Asked Questions

Most high-value property is too expensive for people to buy just using savings or cash. Buying in cash may also not be advantageous from a fiscal perspective or when it means you put all your money into a property but have no remaining liquidity. Mortgages are loans that lenders offer to allow individuals to borrow funds to buy a property if you can’t or don’t want to buy it outright. You repay the lender over several years.

For most mortgages, you will need to put down a cash deposit. You will owe the remaining amount to your lender, and you will repay the loan in monthly instalments over a set period (known as the loan term). If you cannot repay the loan, your lender can repossess your home.

Some first-time buyers can put down deposits of 10% – 15%, but generally deposits sit in the 20% – 25% range, especially if you are already on the housing ladder or are looking to upsize. 

If you are borrowing a significant amount, a lender may require you to put down a larger deposit. A lender may let you put less down in other cases, but this will tend to be for VIP borrowers and those with a very high income in combination with a significant net worth. Some private banks offer 100% mortgages if you can put forward relatively significant assets under management, for example. It is worth noting that sometimes, you may find it advantageous to put down a larger deposit if it means you benefit from better rates in the long-term – your broker will be able to explain your options on this.

The shortest mortgages have terms of 2-3 years, but these tend to be rare and used in particular scenarios. At the other end of the scale, it is sometimes possible to have 40-year mortgages, but these tend to be offered to mainstream borrowers with good income looking to maximise what they can borrow, rather than the norm for high-net-worth individuals.  

For high-net-worth individuals, mortgages with terms of 5 to 25 years are typical, although mortgages in the 5-to-15-year range tend to be the most usual. 

Remortgage Mortgage Broker - Our Services

Property Finance Choices are professional mortgage brokers founded in 2022 with more than 25+ years experience across the team.

We have access to all lenders including high street banks, multinational private banks, specialist lenders and funds, private offices and high net-worth investors.

Our Core Services Are:

– Buy to Let Mortgages (for single properties, portfolios and multi-unit blocks)
– Bridging Finance (1st and 2nd charge for residential or commercial properties)
– Development Finance (for high-value single units, multi-unit blocks, commercial property including offices, hotels, retail, student accommodation and PRS)
– Developer Exit Loans (to refinance recently completed development schemes)
– Commercial Mortgages (offices, retail, hotels, restaurants, for investment or owner occupation)
– Borrowers can be personal names or Ltd company / corporate structures and UK or overseas nationals
– Our core business is in London, but we cover all of the UK and also arrange finance for European real estate
– Remortgaging finance to match your needs and achieve a better rate
– Working with HNW Individuals and Companies to acquire and source exclusive funding

We also provide advice around all forms of insurance to pay out in the event of an accident, illness, injury or death to make sure you and your family are protected against whatever life throws your way.

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