Uncover Your Ideal Home with Our Tailored Residential Mortgages
We understand that finding a perfect mortgage solution is just as crucial as discovering your dream home. That’s why we dedicate ourselves to offering comprehensive, tailored residential mortgages to fit your individual needs.
With an unparalleled range of loan options at competitive rates, we’re committed to helping you make the most informed and advantageous decision for your unique situation.
Unlock your dream home today with Madison Finance’s bespoke residential mortgage solutions.
Why choose us
Better Chance of Mortgage Approval
Our advisers can assess your financial situation and identify any potential issues that could affect your eligibility for a mortgage. We can also help you prepare your application and present your case to lenders in the best possible light, increasing your chances of mortgage approval.
Save Time and Effort
We understand that buying a house can be time-consuming and stressful. By working with us, we can handle much of the work on your behalf, saving you time and effort.
Access to a Wide Range of Lenders
We work with a broad range of lenders, including high street banks, building societies, and specialist mortgage providers. This means we can help you access a more extensive range of mortgage products than you might be able to find on your own.
Expertise and Knowledge
Our mortgage advisers have in-depth knowledge of the mortgage market and can provide tailored advice and guidance to help you understand the different types of mortgages, interest rates, and repayment options available.
Peace of Mind
Using our mortgage advisory services can provide you with peace of mind, knowing that you have expert support throughout the buying process. We can guide you through every step of the process, from finding the right mortgage to completing your application. We'll provide timely updates, ensuring you stay confident and informed every step of the way.
We Take Care of Everything
From assessing your financial situation to finalising your loan agreement, we take care of every detail to ensure your journey to home ownership is as smooth and worry-free as possible.
First Time Buyer Mortgages
As a first-time buyer, navigating the mortgage market can be overwhelming. With so many lenders and products to choose from, it can be challenging to know where to start. That’s where we come in. Our team of expert mortgage advisers have years of experience helping first-time buyers find the right mortgage for their needs and financial circumstances.
Self employed Mortgages
As a self-employed individual, obtaining a mortgage can be more challenging than for someone who is employed by a company. This is because self-employed individuals may not have a regular salary or may have irregular income streams, which can make it harder for lenders to assess their ability to make regular mortgage payments.
Another challenge that self-employed individuals face is providing proof of their income. This can be more difficult than for those who are employed, as self-employed individuals may not have the same level of documentation or regular payslips. They may also have to provide additional financial records, such as tax returns or business accounts, to prove their income over a longer period.
At Madison Finance, we specialise in helping self-employed individuals navigate these challenges and find the best mortgage deals for their unique financial situation. We work with a wide range of lenders who understand the needs of self-employed individuals and can offer tailored mortgage solutions.
Remortgages
Remortgaging is the process of switching your existing mortgage to a new one, either with your current lender or a different one. You may have to pay an early repayment charge to your existing lender if you remortgage.
Remortgaging can be done for a variety of reasons, including:
At Madison Finance, we believe it is important to help clients weigh the pros and cons of remortgaging and determine whether it’s the right option for their individual circumstances.
This may involve assessing their current mortgage deal, calculating potential savings or costs, and considering any fees or charges associated with remortgaging.
By offering informed guidance and support throughout the remortgaging process, our advisers can help homeowners make smart financial decisions and help you choose the best remortgage option for your needs.
Think carefully before securing other debts against your home.
Moving House Mortgages
Moving house can be an exciting but also stressful time, especially when it comes to financing your new home. At Madison Finance, we’re here to help you navigate the mortgage process and find the best deal for your needs.
When moving house, there are several options for financing your new home. You may choose to port your existing mortgage to the new property, which means taking your current mortgage deal with you to the new home. This can be a good option if you’re happy with your current lender and interest rate, and you don’t want to pay any early repayment charges.
Alternatively, you may choose to remortgage with a new lender or even take out a second mortgage, such as a buy-to-let mortgage, if you plan to rent out your old property. At Madison Finance, we can help you evaluate your options and choose the best deal for your situation.
It’s important to keep in mind that when moving house, there may be additional costs to consider, such as stamp duty, valuation fees, and legal fees. Our team of mortgage advisers can help you budget for these costs and find ways to minimise them.