First Time Buyers
Buying your first home is an exciting milestone, and I understand that it can also feel a bit overwhelming.
At Nubo, I’m here to guide you through every step of the process. I know how important it is to feel supported when you're facing the unique challenges of buying your first home, and I'll be right by your side to make it easier.
Whether you’re looking for a cosy flat or a spacious house, I’ll work closely with you to find the best mortgage solution for your needs. My approach is all about tailoring the experience to fit your specific circumstances, so you can secure a deal that works for you and your budget. I believe in being transparent, which means I'll make sure you understand all the costs involved in buying your home—so you can make informed decisions with confidence.
Deposit: Saving for a deposit can be tough, but don’t worry—I’m here to help. Most mortgage lenders require at least a 5% deposit, but putting down 10-15% could get you a better interest rate. And if you’ve been renting for a while, there’s even the possibility of a zero-deposit mortgage!
Credit History: Your credit score doesn’t need to be perfect. Whether you have limited credit history or are just starting to build it, I’ll help you find the right solution for your situation.
Understanding the Process: I know the mortgage process can feel overwhelming, especially as a first-time buyer. That’s why I’m here to explain everything clearly, in plain language, and answer any questions you may have along the way.
Friends and Family: While it’s great to get advice from friends and family, sometimes it can be conflicting or confusing. I’m here to give you clear, impartial advice, tailored specifically to your circumstances.
With competitive rates and a range of flexible options, I’ll help you turn your dream of homeownership into a reality. Let’s get started today—contact me, and let’s make your first home a reality.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Home Movers
Your Next Home Awaits – Let’s Make the Move Easy
At Nubo Mortgages, we understand that moving to a new home is a big decision. Whether you're upgrading, downsizing, or relocating, we’re here to guide you through the mortgage process and help you find the right deal to suit your needs.
There are many reasons why people decide to move, and we can help you secure the right mortgage to make it happen. Some of the most common reasons for moving include:
- Need for more space: Whether it’s more bedrooms, a larger garden, or extra living areas, sometimes your current home just isn’t big enough anymore.
- Relocating for work or lifestyle: A change in location for a new job, proximity to family, or simply moving to a place with a better lifestyle can be a strong motivator for a fresh start.
- Upgrading to your dream home: You’ve outgrown your current space and now it’s time for something bigger and better, with modern features, more luxury, or better facilities.
- Downsizing for simplicity: Whether it’s a smaller property or a more manageable space, downsizing can make life simpler and help reduce costs.
- Improving long-term investment: Moving to a property with more potential for appreciation or better future value might be the key to securing your financial future.
When planning your move, it’s important to keep in mind the various costs involved in the process, such as:
- Stamp Duty: A tax paid when purchasing a property, which depends on the price of the home. Higher property values will attract a larger stamp duty.
- Legal Fees: Solicitors or conveyancers will handle the legal side of your move. Their fees can vary depending on the complexity of the transaction.
- Survey and Valuation Fees: A property survey can help identify potential issues with the home, while a mortgage valuation is typically required by your lender to confirm the property’s value.
- Moving Costs: Whether you hire movers or rent a van, the cost of physically moving your belongings can add up quickly.
- Home Insurance: Lenders usually require home insurance as part of the mortgage process, and you’ll need to factor this into your ongoing costs.
- Broker Fees: If you choose to work with a mortgage broker, they may charge a fee for their services, depending on the complexity of the mortgage.
We offer competitive mortgage rates and a wide range of options to help make your move as smooth as possible. With the right mortgage, your dream home is within reach. Ready to get started? Contact us today and let’s find the perfect solution for your next move.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Re-Mortgage
Simplifying Your Remortgage, One Step at a Time
Your home is your palace, and a remortgage could be required for a number of reasons. Whether you're looking to save on your monthly payments, release some equity, or fund home improvements, I’m here to guide you through your options and find the best solution for you. Here are some common reasons people choose to remortgage:
- Save money on monthly payments by securing a better interest rate
- Release equity from your home to fund major life expenses
- Consolidate existing debts into one manageable payment
- Make home improvements such as an extension, loft conversion, new kitchen, bathroom, or general refurbishment
- Switch to a better deal to avoid expiring fixed rates or unfavourable terms
- Lower your overall mortgage term and pay off your loan faster
With access to a wide range of lenders, I’ll take the time to find the best remortgage options for your goals. My approach is simple: no jargon, no pressure—just honest, tailored advice.
Your home is one of your biggest assets, and the right remortgage can unlock new opportunities—whether that's saving money, reducing debt, or creating the space you’ve always wanted. Ready to get started? I’m here to help you every step of the way, making sure you feel confident and informed throughout the process.
You may have to pay an early repayment charge to your existing lender if you remortgage and think carefully before securing other debts against your home.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Tailored Mortgages
Customised Mortgages to Fit Your Needs and Financial Situation
I understand that finding the right mortgage can be overwhelming, especially when there are so many options available. That's why I take the time to fully understand your unique circumstances and needs. Once I have a clear picture of your situation, I use a combination of software to quickly source relevant lender criteria and ensure I’m finding options that work for you. But I don’t stop there—I'll also make a good old-fashioned call to the lender to discuss your case directly and confirm that it meets their specific criteria. With hundreds of mortgage lenders, each with their own set of rules, I make sure to match the right lender to your situation, giving you the best possible chance of securing the right deal.
Self-employed:
There are many lenders who specialise in self-employed mortgages. Some accept fewer years of accounts, use profit before tax, consider retained profits, and generally take a different approach to how they assess your income from your business or self-employed work.
Bad credit mortgages:
If you’ve had credit issues in the past, you may think securing a mortgage is impossible. However, bad credit mortgages are available for people with less-than-perfect credit histories. These mortgages take into account your current financial situation and future ability to repay, rather than focusing solely on past credit mistakes. Lenders offer competitive rates for those who are rebuilding their credit or have a less-than-ideal credit score.
Higher income multiples:
Some lenders offer mortgages that are based on higher income multiples, meaning you may be able to secure a larger loan amount even if your income is not as high as the traditional criteria require. This is especially useful for individuals who have a solid, consistent income but may not meet the strict income thresholds of conventional lenders. If you need a larger mortgage to afford your dream home, higher income multiples could be the solution.
First-time buyer mortgages:
As a first-time buyer, you may have limited credit history or a small deposit, making it harder to get a mortgage. However, there are specialized first-time buyer mortgages designed to help you step onto the property ladder. Some lenders even offer the option to add a family member or close relative to the mortgage to boost your combined income, helping you qualify for a larger loan. This can make it easier to secure the mortgage you need to purchase your first home.
No matter your situation, I can help you find the right mortgage solution to meet your needs and goals. Ready to take the next step? Contact me today and let’s get started on securing the best mortgage for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE