Explain... Special Circumstances


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As well as the basic mortgage options, many lenders tailor products for specific circumstances. These can be from anything like investing in property which will be rented out to tenants, to buying property abroad to simply remortgaging to get a better deal.

Buy To Let	for those buying a home for the purposes of letting

First Time Buyers	for those stepping onto the property ladder for the first time

Cashback	if you would like a little cash to help with fees or buying furniture

100%	mortgages for those who can not put down a deposit

Guarantor Mortgage	when a blood relative guarantees payment of your loan in the event that you can not

Professional or Graduate	for young people who can earn a high salary in the future

Remortgage	mortgages for those who would like a better deal

Splitting your Mortgage	taking out both an interest only and repayment mortgage

Self-Employed	mortgages for those who work for themselves

Self-Certification	used by the self employed who can not provide 3 years audited accounts

Self Build	mortgages for those who want to build their own property

Advance Stage Payment Mortgage	a self build mortgage where the payments are made ahead of the work

Arrears Stage Payment Mortgage	a self build mortgage where the payments are made following a site inspection after each stage is completed

Adverse Credit	mortgages for those with a bad credit rating

Credit Repair Mortgage	tailored to help rebuild small blips in your credit history

Right to Buy	a mortgage for council tenants who wish to buy their property

Housing Association Shared Ownership	schemes to help those who can not afford a standard mortgage to get onto the property ladder

International Mortgage	to buy your dream holiday home!