Nicholas Cryer Just Mortgages

A buy-to-let mortgage is assessed differently from a standard residential mortgage.
🏘️ Whether you are considering your first rental property or adding to a portfolio, get in touch to explore your options.

Shared Ownership could provide another route towards homeownership, but it is important to understand the full cost.
🏢 Contact me to discuss the mortgage, rent and other potential monthly charges.

Some mortgages are portable, but moving your deal is not always automatic.
Your lender may reassess your income, commitments and the new property.
🔑 Contact me before you make plans to move.

Protection is worth revisiting when life changes.
💙 A review can help you consider whether your cover still reflects your mortgage, income and family circumstances.
If you would like to talk it through, I’m here to help.

A gifted deposit could help with a home purchase, but lenders normally need evidence confirming where the funds came from and the terms of the gift. 🎁 Contact me to understand what information may be required.

🏡 Not sure where to begin with buying your first home? An early conversation can help you understand your budget, deposit and the steps ahead before you start booking viewings. Get in touch to begin your homebuying journey.

When your deal ends, your current lender may offer a product transfer-but it may not be your only option. 🔄 I can help you compare staying with your lender against exploring another lender.

You do not necessarily need to be buying with a partner to explore homeownership.
🏠 Understanding your potential borrowing range early can help you focus your property search.
Get in touch to discuss buying on your own.

Missed payments or previous credit issues can feel worrying when considering a mortgage. However, lenders may look at several factors rather than one number alone. Contact me for a confidential conversation about your circumstances.

Variable income does not necessarily mean your full earnings will be ignored. Different lenders may assess overtime, commission and bonuses in different ways.
💼 Get in touch to discuss your income and mortgage plans.