Family Income Benefit

  • Family-Income-Benefit

Moving home can be stressful enough before even taking into consideration all the options available across the mortgage market.

At Nicholson Brown we believe that forward planning is essential to take away the hassle from a property transaction. Our whole of market mortgage brokers are here to provide you with the right advice and guidance, removing some of the worry and stress that seems to happen far too often in a house purchase.

An ideal time to assess your options is before even marketing your current property, here our advisers can help work out your maximum borrowing capacity and affordability, giving you the comfort of knowing that you can accept an offer on your current home and still afford the move onwards

Do You Have an Existing Mortgage?

If you already have an existing mortgage on your current home we are able to act on your behalf to transfer this across to a new property. Our advisers will deal directly with your current lender to ascertain the exact options they are able to offer and also compare this to the deals available across the market.

In addition to saving you the hassle of dealing with your existing lender, our independent brokers will also:

  • Fully explain the house buying process,
  • Detail all the typical costs involved such as solicitors, valuations, surveys and stamp duty
  • Untangle all the jargon
  • Define your borrowing capacity

The mortgage market is complex and constantly changing with lenders varying rates, fees and criteria subject to their appetite to lend. Our independent advisers will look across the market to ensure you are getting the most suitable deal for your circumstances whilst fully explaining the process along with the associated costs involved.

Everyone’s personal circumstances are different and can often be incredibly complex. As such, lenders have varying criteria and it’s our job to ensure you apply to the right lender who meets your needs with the most competitive product available

We love helping people so why not challenge us today?

Our advisers can help with all manner of complex criteria like:

Multiple income sources
Self-employed income
Adverse credit, arrears, defaults, CCJ’s
Foreign currency income
Lending beyond retirement age
Probation periods
Unusual property construction
New build house or flat
Million pound plus mortgages
Foreign nationals and Visa’s

Nicholson Brown Limited is authorised and regulated by the Financial Conduct Authority under register number 671013.

Your home (or property) may be at risk of repossession if you do not keep up repayments on your mortgage or loan secured upon it.

We do not charge for our initial consultation, however we charge a brokerage fee for residential and buy to let mortgage applications. The fee is dependent upon the complexity of your case and is typically up to £500, payable upon completion of the transaction.

This website is subject to the UK regulatory regime and is therefore primarily aimed at consumers based in the UK.

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