Arrange a mortgage with us
Mortgage services with ‘Quercus Mortgage and Financial Solutions’ at Kath Wells Estate Agents
Two local firms… one great service!
Whether you’re a first-time home buyer… moving up the property ladder or buying property as an investment, most people will need mortgage finance. Recognising that many clients need advice in this complex area we have teamed up with local firm Quercus Mortgage and Financial Solutions.
Two local firms… one great service!
Whether you’re a first-time home buyer… moving up the property ladder or buying property as an investment, most people will need mortgage finance. Recognising that many clients need advice in this complex area we have teamed up with local firm Quercus Mortgage and Financial Solutions.
Quercus Mortgage and Financial Solutions provides a professional advised service that you can trust because they work for you not the lender. They take account of your circumstances, budget and preferences and provide a suitable mortgage recommendation that’s tailored to you, from their comprehensive range of lenders and products.
In addition to advising on your mortgage, they take time to explain the costs and risks of home ownership in a way you will understand, and can show you ways to mitigate these. Then they manage the whole application process for you right up the time you receive your mortgage offer.
Why not book a free no obligation consultation with one of our recommended mortgage advisors. They can visit you at your home or meet you at the office offering you total flexibility.
MORTGAGE ADVICE THAT YOU CAN TRUST
Quercus Mortgage and Financial Solutions is an independently owned company offering mortgages for residential and buy to let properties.
Our Aim
At Quercus Mortgage and Financial Solutions, it is our intention to build an ongoing relationship with you. We guide you through the journey of buying your home and we aim to make it as smooth as possible for you. We understand the unique complexities of each type of mortgage and we do all the hard work so you don’t have to. We aim to give you honest advice to alleviate your concerns and help you to move forward. We work as a team to ensure to you get the service you deserve.
Our mission
Our mission is to stop you wasting time and money on lenders and lending products that may appear attractive at first glance, but ultimately will not accept you due to strict underwriting criteria.
Our guarantee
If we fail to get you a mortgage through any fault of ours, we will refund your fee in full.
Why Choose Quercus Mortgage and Financial Solutions Ltd?
- We can provide face-to-face, video and telephone advice for our customers. You choose which option you prefer.
- We search thousands of mortgage deals to find the right one for our customers’ circumstances and needs. We can also offer exclusive products which only we have access to.
- We want to be your mortgage advisors for life. Whether you want to move home again or remortgage, we are here to help you.
- We want to provide the finance for you to move in to your home. More importantly, we want to make sure that you can stay in your home. Therefore, we will also talk to you about protecting your mortgage and your income.
- We cover all aspects of property-related lending including Help to Buy, Buy-to-Let, Affordable Housing schemes and mortgages where you can add family members to boost your affordability.
You will gain access to your personalised mortgage and insurance portal:
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier. With access to your personalised portal, you’ll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
What do our clients think?
Please click this link to see what our current clients think about us!
Please contact us on :
01423 317002 | Info@quercusmortgages.co.uk | www.quercusmortgages.co.uk
General information on mortgages
Fixed
With a Fixed Rate mortgage you pay a fixed interest rate for a fixed period of time and the rate and duration are arranged at the beginning with the lender. This can be between 1 and 25 years, though the standard term would be 2 years.
Tracker
With a Tracker Rate mortgage the rate of interest you pay is tied to the base rate set by the Bank of England. Typically, a tracker rate mortgage will be set at a certain percentage above the Bank of England base rate. Although the Tracker rate is usually lower than the lender’s Standard Variable Rate, this can differ from lender to lender.
Discounted
A Discounted Rate Mortgage is linked to an individual lender’s Standard Variable Rate. The lender may offer a discount to their variable rate for a specified period of time, but be careful as there is no certainty as to what your future payments will be.
Buy-to-let
Buy-to-let mortgages are for investment properties that are not occupied by the owner. Some lenders will only consider a property’s rental income as the basis for determining whether or not to lend while other lenders will consider your normal earnings, especially if you only have one or two rental properties.
The expected rental income must exceed your mortgage repayments by a certain percentage. For example, your mortgage lender may require a rental income of 125%-130% of your monthly mortgage payments.
Generally, Buy-to-Let mortgages are available for between 5 and 45 years and for a maximum of 80% of the property value. When considering a Buy-to-Let mortgage, certain additional costs must be considered, including lettings agent fees, insurance, legal cover and the cost of maintaining the property in a suitable condition for letting.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Looking to switch agents in Leeds and Bradford?
Our attractive Fixed Fee Selling Package could save you hundreds of £’s compared to a commission based agent. We will not be beaten on fees and will match any genuine like for like quote.
What our clients are saying
Don’t take our word for it. We work hard to provide a positive experience. Take a look at testimonials from our some of our satisfied clients.
Kath Wells Estate Agents & Valuers
Kath Wells is a well established firm of estate agents in Leeds. Whether you're buying, selling, renting or letting our friendly and approachable team can handle every aspect of your property transaction from valuation and introduction to offer and completion.
Arrange a FREE mortgage appointment
If you would like a free no obligation discussion about your mortgage, call us now on 0113 231 1033 or click here to fill in an enquiry form and we will be pleased to get in touch.