Frequently Asked Questions

How much can I borrow?

The actual amount available to you will depend upon your individual circumstances. For a rough guide, try our online mortgage calculator, but for a more exact figure we would recommend that you Contact Us for a free and without obligation initial consultation.

Over what period can I take my new mortgage over?

Most mortgages are available over 5 year to 30 year terms and we will find the one most suitable for your circumstances. Some mortgages are available on extended terms up to 35 years.

How much deposit will i need?

Historically the minimum deposit required was 5%, however in light of the recent economic turmoil in the UK, lenders have removed the majority of their high loan to value products, 10% now being the minimum deposit acceptable across the majority of the market. Most lenders continue to offer the preferential rates to those putting in at least 25% deposit. Contact Us to discuss the options available.

I have no proof of income, can i still get a mortgage?

In line with the major changes in the UK Financial Market, lenders have now removed ‘self certification’ mortgages where no proof of income was required. Lenders however will now include income such as, tax credits and other state benefits, maintenance and various forms of investment income which they previously were not prepared to accept. If in doubt as to what might be acceptable please book and appointment to see one of our advisers today.

Am I under any obligation by filling in the enquiry form?

No, you are under no-obligation whatsoever by completing an enquiry form or asking us to find a mortgage to suit your requirements. We will be happy to meet with you for a free and without obligation initial consultation and provide advice and recommendations on a mortgage suited to your needs and preferences. It is up to you to decide if you are happy to proceed with it or not. Why not Make an enquiry now...

Are you tied to any lender or life company?

No, Breeze Financial Limited are independently owned and are not 'tied' to any lender or life company. We are whole of market advisors, meaning we can offer the products of each and every lender and life company in the UK.

I want to buy an investment property but do i earn enough?

Most buy to let mortgages are calculated using the rental income generated by the investment property as opposed to the borrowers salary. Please Make an appointment to discuss these schemes.

Can you help me buy my council house?

This is commonly known as your "right to buy". For no obligation help and advice with this process please complete our short enquiry form or call us on 01322 394 842 for free information.

Will you charge me a fee for arranging my mortgage?

Breeze Financial reserve the right to charge a fee up to 1% for the arrangement of prime and up to 2% for the arrangement of sub prime mortgages, however this is normally offset by commisions paid to Breeze Financial by the lender. Details of any fees, if due will be disclosed at an early stage and agreed with you prior to any application being made. If you do not get your new mortgage, then you will not have to pay any fees at all.

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