Morgan Sterling Ltd have been instrumental in arranging residential mortgages across the length and breadth of the country and whether you require £3 million for a Pied a Terre in Central London or £15,000 for a right to buy in the provinces we can provide a comprehensive service.

Click below for further details of your particular requirements.

Larger Loans - High Net Worth - Re-mortgages - Self Certification - Buy to Let - Non Standard - Bridging

Larger Loans

This is an area in which Morgan Sterling Ltd excels. We enjoy excellent relationships with senior decision makers in the head offices of the leading lending institutions. Using our contacts there, we can confidentially discuss the options available to each individual.

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High Net Worth

Our experience has taught us that not everyone fits neatly into the set income multiple criteria for most mortgage providers. Often High Net Worth individuals can be cash or asset rich whilst generating very little UK income. In these situations we are able to ask lenders to treat each case on its own merit rather than act on stringent income multiples.

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Re-Mortgaging

With a large percentage of the mortgage population remaining on the variable rate this is an area of personal finance that everyone with a mortgage should be considering. Typically you could save 1-2% on your interest rate by regularly reviewing your mortgage, often with minimal cost.

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Self Certification

There are many reasons why you may not be able to substantiate your ongoing income. You may run your own business, or rely heavily on non-guaranteed commission or bonus. Many lenders understand this and offer competitive rates for people who find it difficult to prove their income.

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Buy to Let

The Buy to Let market has flourished in the UK with investors enjoying both the return on the rental and continuing growth in the value of their properties. Whilst we cannot advise on the ongoing expectancy of this type of investment, we frequently assist in arranging mortgages at very favourable rates for the purchase or re-mortgage of these properties up and down the country.

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Non Standard Sub Prime

There are many reasons why people have found themselves falling in to this category. The troublesome times through the eighties coupled with more recent changes in the labour force due to technology for instance has left many people with damaged credit profiles. Whether it's county court judgements, defaults or perhaps even arrears, Morgan Sterling have been able to assist many borrowers to obtain a mortgage or re-mortgage to purchase a home or restructure debt where appropriate.

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Bridging

Short term finance or as it is commonly known, bridging finance, is probably the most under used form of financing. There are a number of different circumstances where bridging can be used such as for the purchase of dilapidated properties that are currently un-mortgageable, utilising the faster processing time to secure a property when in a contracts race or more commonly when a new property is to be bought before the previous one is sold.

The information on this site is for guidance only and is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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