Purchase

From First time buyers to those moving up the property ladder we have a range of products that will meet your needs and requirements.

Remortgages

Many people regularly re-mortgage and by doing so, manage to keep their monthly payments at the most competitive level.

Re-mortgaging has also become a popular way of raising extra finance for home improvements, such as an extension or a new kitchen.

Replace your existing mortgage with a new one. You may be able to take out a mortgage at a lower interest rate, you can also remortgage to borrow extra funds for almost any purpose, generally for home improvements or debt consolidation but if your not sure give Salisbury House a call.

Ensuring that you are always taking advantage of the very best mortgage deals involves keeping a close eye on the market and either changing your mortgage product or changing both your mortgage and your lender.

Buy to Let Mortgage

Purchasing property for rental purposes has become an extremely popular form of investment in recent years and with it has emerged the competitive and specialist market for buy to let mortgages.

If you are now Buying to Let it pays to do your sums beforehand. The rent will have to generally cover the interest only on the mortgage, plus 25% of which is what most of the lenders require when assessing a Buy to Let mortgage.

Because different lenders require different criteria to be fulfilled upon application, from minimum earnings to minimum rental, it is advisable that you obtain advice from a specialist organisation such as Salisbury House, to guide you through the process and help ensure that your lender’s criteria are met.

Product transfer

Are you looking to stay with the same lender but coming to the end of a deal we can in most cases re-negotiate your deal on your behalf.

Foreign Mortgages

Looking to purchase a property abroad? We can help. Salisbury House has access to an overseas mortgage company called Conti Financial Services Ltd, who specialise in this market and will help you make the right choice.

Solicitors

Salsibury House has access to Conveyancing Marketing Services Ltd who offer a panel of solicitors /licensed conveyancers that provide a reliable and efficient service. Conveyancing is not part of the Openwork offering and is offered in our own right. Openwork Ltd accept no responsibility for this aspect of our business. This product is not regulated by the Financial Services Authority.

Capital Repayment

Monthly payments are made up of interest charged on the amount borrowed and a portion of the capital to repay the mortgage. Taking this route the mortgage is guaranteed to be repaid at the end of the term providing that payments are maintained.

Interest Only

Monthly payments to the lender consist of interest only and the outstanding mortgage remains the same. You make alternative arrangements to repay the capital at the end of the mortgage term.

• Variable Rate mortgages
• Fixed Rate mortgages
• Capped Rate mortgages
• Tracker Rate mortgages
• Discounted Rate mortgages
• Offset mortgages
• Flexible mortgages
• Cashback mortgages