Moving Home

When the time comes to find a new home, Eastwood Mortgages stands ready to guide you through your mortgage options with careful consideration and expertise. Whether you're seeking additional space for your growing family, relocating for career opportunities, or looking to downsize and release equity from your property, we'll help you craft a robust financial strategy tailored to your next chapter.

Our comprehensive approach begins with a thorough analysis of your current situation—examining your existing lender, mortgage product and any additional borrowing requirements—to determine the most advantageous path forward. This might involve porting your existing mortgage to your new property, essentially continuing your current arrangement in a new setting, or potentially recommending an entirely fresh mortgage product with a different lender to better serve your evolving needs.

We recognise that each move brings its own unique set of circumstances and aspirations. That's why we take pride in offering bespoke guidance that aligns perfectly with your financial objectives whilst ensuring you maintain complete clarity throughout the process.

Remortgaging

When your current mortgage deal approaches its end, Eastwood Mortgages carefully evaluates options from our extensive panel of lenders to find your ideal solution. Without taking action, your mortgage will typically revert to your lender's standard variable rate—often significantly higher than the competitive deals available across today's market.

We strongly encourage you to seek guidance well before your current deal expires, ideally up to six months in advance. This proactive approach proves particularly valuable in today's fluctuating market, where finding the most suitable mortgage arrangement is crucial as monthly repayments may increase at the end of your current product.

Beyond securing a competitive new rate and potential fixed-term, we can also explore opportunities for additional borrowing to support your aspirations, whether you're planning home improvements, considering debt consolidation, or preparing for significant life events such as a wedding. Our expertise ensures you'll understand all available options whilst securing terms that align with your financial circumstances and future plans.

This strategic approach helps safeguard your financial wellbeing and ensures you're never paying more than necessary for your mortgage, even in challenging market conditions.

Buying A New Build Property

Successfully navigating the New Build mortgage market demands specialist expertise, as timing and lender selection prove absolutely crucial to the process. Different lenders maintain varying policies regarding how long they'll maintain a mortgage offer before requiring a fresh assessment of affordability and credit status—a particularly important consideration in today's market.

This complexity stems from the growing trend of purchasing properties 'off-plan', where buyers commit to homes still under construction. Whilst house builders typically require purchasers to have mortgage arrangements in place at the reservation stage, many properties won't be ready for occupation for six months or more—potentially extending beyond standard mortgage offer periods.

At Eastwood Mortgages, we draw upon our experience in this sector to create realistic completion timelines with our clients. This careful planning helps us identify the most suitable lenders for New Build properties. Choosing the right lender from the outset proves absolutely critical. An ill-suited selection could put your entire purchase at risk, particularly if changing circumstances necessitate a fresh assessment during an extended build period. Our expertise ensures you'll avoid such pitfalls, maintaining a smooth path to your new home purchase whilst protecting your interests throughout the process.

Buy-To-Let Portfolio

At Eastwood Mortgages, we offer specialist guidance for property investors, whether you're purchasing for rental income or seeking to provide accommodation for family members. Our comprehensive panel of Buy-to-Let lenders serves diverse investment scenarios, from single-property landlords to those managing extensive portfolios, including Houses in Multiple Occupation (HMOs).

We understand that investment strategies vary significantly, which is why we work with lenders who accommodate both personal and limited company purchases. Our extensive network of lending partners enables us to support your property investment ambitions, whether you're taking your first steps into the market or expanding an established portfolio.

Drawing upon our deep understanding of the Buy-to-Let sector, we'll help you navigate the complexities of investment mortgages whilst ensuring your chosen lending solution aligns perfectly with your investment objectives and preferred ownership structure.

Shared-Ownership

As property prices continue to climb in many sought-after areas, an increasing number of homebuyers are exploring alternative paths to ownership, including shared-ownership schemes and properties subject to Section 106 agreements. At Eastwood Mortgages, we possess comprehensive knowledge of these specialist arrangements and offer expert guidance throughout your journey.

We take pride in our holistic approach to property purchase, addressing your questions about every aspect of the home-buying process. Whilst our expertise covers a broad spectrum of mortgage-related matters, we also understand when specialist input might prove beneficial. In such cases, we'll direct you to trusted professionals who can provide the specific guidance you need, ensuring you receive comprehensive support at every stage of your property purchase.

Our commitment extends beyond simply arranging your mortgage—we aim to ensure you thoroughly understand all aspects of your chosen ownership arrangement, empowering you to make confident, well-informed decisions about your property purchase.