Mortgage Services

Mortgage Fact Sheet

Whatever your mortgage needs, visionary finance can help

We understand it can be difficult to navigate and choose the best option that’s right for you.

Not sure where to start? Whether you are buying your first home, looking to remortgage, upsizing or downsizing your family home, or planning to build a property investment portfolio, our vast experience and excellent customer service ensures that you are in the best possible hands.

There are a multitude of mortgage lenders, schemes, products and criteria available in the market space, and at Visionary Finance we understand it can be difficult to navigate and choose the best option that is right for you. When you are looking to discover the mortgage product that is most suitable for you, our specialist mortgage advisers provide advice and source the best deal that meets your individual circumstances. Our dedicated sales progression team then ensures that you are kept fully updated on the status and progress of your mortgage application. We work with and are trusted by some of the largest new build housing developers in the country

TAILORED AND PROFESSIONAL ADVICE TO SUIT YOUR NEEDS

Based in London and Milton Keynes, we advise clients throughout the UK, with customer service being at the forefront of our offering. Your mortgage is likely to be your largest financial commitment, and therefore it is important that we fully understand your individual personal and financial circumstances to ensure that we can assess your mortgage suitability and maximum affordability. We are also experienced mortgage protection and insurance advisers, which means we can ensure that your mortgage and personal belongings are protected in the event of an unforeseen circumstance. Being whole of market means we can often get you the best premiums in the market place.

MORTGAGE CONSULTATION PROCESS

Initial consultation to understand your personal circumstance and details of purchase

Collation of documents – this would typically include a personal factfind, identification, income verification, address verification & credit reports

Market research – Visionary Finance explore finance options available to you by discussing with our bank of lenders

Application – Once a suitable lender is found the application process is commenced

Visionary Finance will liaise with your lender during the application phase

Issue of finance offer from lender – this is subject to your case being agreed and underwritten by your lender

DISCOVER THE MOST COMPETITIVE RATES AND A MORTGAGE DEAL THAT IS RIGHT FOR YOU

When it comes to finding competitive rates and a mortgage deal that is right for you, Visionary Finance can help.

FIRST-TIME BUYER

If you are looking to get your foot on the property ladder and purchase your first property, Visionary Finance can advise you about how much you could borrow and explain the mortgage options available. We can obtain mortgages with as little as 5% deposit and can also help you to secure funding on one of the Government schemes like Help to Buy

REMORTGAGING

There are many reasons why you may wish to remortgage, such as:

  • Your current mortgage deal is expiring and is reverting to lender’s Standard Variable Rate (SVR) and therefore you want a better mortgage deal
  • You are looking to capital raise and borrow more for home improvements or a second home/buy-to-let purchase
  • You may wish to consolidate unsecured credit card or loan debt

Weighing up the best option can be difficult, but at Visionary Finance our advisers are able to find the best solutions for you, whether that is sticking with your current provider or making a switch.

MOVING HOME

As you are already a homeowner, you’ll have UK lenders, banks and building societies queuing up to offer you a deal. Filtering through all the different offers to find the product that suits you and your requirement can be a chore, but by using the latest technology and looking at the whole market of providers, Visionary Finance can support this process. We will also assess your affordability to provide you with details of your maximum borrowing amount, which could enable you to buy that dream home.

BUY-TO-LET/LIMITED COMPANY MORTGAGES

Being landlords ourselves and having built a successful investment portfolio, we understand how best to structure property purchases and can help you understand all the fine details required. Our personal experience and insights give us an edge over other mortgage advisers, and we can add great value by ensuring your investment objective is fully met.

Your home may be repossessed if you do not keep up repayments on your mortgage. Visionary Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA). The Financial Services Register number is 516472. Registered in England and Wales No. 06475028. Registered office address 1st Floor, 5 Whittle Court, Knowlhill, Milton Keynes MK5 8FT. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.

WHY CHOOSE VISIONARY FINANCE

WANT TO REVIEW YOUR OPTIONS?

Talk to us about your mortgage options. Our foreign investment services team is waiting to help you. To discuss your options today, telephone +44 (0) 207 100 4754 or by emailing [email protected]