Mortgage Help Desk UK, For Free Mortgage Advice And Help By Professional Mortgage Brokers

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A Mortgage For Any Situation

Below are some of the Criteria that the IVA Mortgage Lenders Offer

LOAN TO VALUE

LTV for an IVA Mortages is constantly changing. Currently standing at

80%-85%

The main lenders are GMAC and IGroup who are reviewing there IVA products, if you are looking for an IVA Mortgage call us to help you decide on the level of deposit you will require

INCOME MULTIPLE

Most IVA Lenders use the affordability calculation, this is based on taking the monthly gross wage and multiplying it by the afforability percentage. This amount will be the maximum level that the lenders will facilitate to pay the mortgage each month

Affordability percentage

40% of Joint Income.

INTEREST RATES

Interests vary between Products, due to the nature of the current credit crunch in the mortgage market , interest rates are constantly changing we would expect that the rates are approximately 2%-3% more than that of a non adverse mortgage interest rate

This information does not contain all the details you need to choose a mortgage. Make sure you ask us for a key facts illustration before you make a decision.

We are Regulated by the Financial Services Authority (FSA)

The "Mortgage Help Desk UK" is the trading style of The Finance Brokerage Limited. We are Authorised and Regulated by the Financial Services Authority - Registered Number 466102, Our Consumer Credit Licence Number is 602596. Buy To Let and Commercial Mortgages are not regulated by the Financial Services Authority (except in certain circumstances where the borrower intends the property to be occupied by family members now or in the future). The following paragraph refers only to cutomer's who need mortgage help because they have an adverse credit history It is estimated that the overall cost for comparison will be 8.25% APR - The actual rate available to you will depend on your circumstances and may be lower or higher. Ask us for a personalised illustration.

We have teamed up with various affiliates’ partners, so that we can offer you a one stop for, mortgages, loans,and insurance products. Our service is free to you but to operate this service we receive fees from the lenders or brokers and affiliated partners that we refer you to ,and to whom you complete a product deal with.During busy periods and to ensure that your enquiry is dealt with as quickly and competently as possible we may pass your enquiry to an affiliated FSA Mortgage Broker, (we have teamed up with various specialist FSA Regulated mortgage brokers).They will contact you directly and deal with your enquiry.If the affiliated partners charge a fee this will be disclosed upfront.

"Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage "

No information on this website is intended to constitute advice. This site contains a summary of the information relating to the products. If you are interested in any of the information on the site, you should seek information from us. We cannot guarantee that information will be accurate, complete and current at all times. All information on our Website is subject to change without notice.