Whatever problems you may have we have access to the whole of market and even if you have Bad or Adverse credit (Typical APR 8.3% ) missed or late payments, credit defaults,CCJ's, a discharged bankrupt, been in an IVA, or have had mortgage arrears in the past, you may have to find a larger deposit and the interest rate you pay maybe a little more but we are still here to try and help you find that scheme that will be right for you.

Mortgages

We have access to the whole of market and some exclusive products that you will not find on the high street, from Bad or Adverse mortgages to large loans; buy to let plans, HMO's flexible, commercial mortgages, short term and bridging finance.

If you are Self Employed we can still offer mortgages where clients have one years trading and we can be more flexible if you have a larger deposit which lenders see as less risk in this very difficult market.

The Buy to Let market is still very much alive as investors look to take advantage of buying property below market value at auction and repossessed properties which are coming to the market via the estate agents. Buying and selling property is very difficult in this market when clients who want to buy cannot raise a mortgage, so the demand for rented property is very strong and investors can take advantage with mortgages up to 80% LTV.

Right to Buy          Buy to Let

Our 100% mortgages are on hold for the moment as lenders cherry pick and are looking for maximum profit with low risk, which means until the property markets become positive again with a sustained period of growth lenders are taking a back seat with a wait and see policy. But as we all know with a positive market and the lenders looking for growth, 100% mortgages will return, it's only a question of when.

This what we tend to specialize in trying to help clients who for a number of reasons have found themselves with a poor credit record and the high street door to mortgages is firmly closed. First thing get your credit file from www.experian.co.uk at £2 on line and let us view your file and see what we can do for you. We will not fudge any issues with you if we can help you we will, and if you need to put your plans on hold we will tell you exactly that.

Fixed rate mortgages are exactly what it says on the tin, you agree to repay your mortgage for a fixed rate of interest that will not change for a fixed period of time irrespective of what happens to interest rates. If you buy a fixed rate at the bottom of he interest rate curve that would be the best time to purchase, when interest rates can only go up but yours is fixed at the bottom of the curve, such as now in 2010. Lenders have got a little smart have already priced in some expected interest rate rises but now is the best time ever to buy, when will we ever see the Bank of England base rate at 0.50% again July 2010.

Interest only mortgages are normally associated with Buy to Let Mortgages or where the client would prefer to repay the capital from investments, inheritance or the sale of the property. The FSA have become worried as due to the market down turn many clients who had relied on the performance of their investment products to repay the mortgage have had to find extra capital as the investment products have failed to perform at the expected level.

However we can still arrange interest only mortgages its just that the guide lines are a bit more defined than they were before.

Mortgages are our specialty and we offer advice from the First Time buyer, moving home, Buy To Let, the Investor, Short Term Finance and Commercial Mortgages and Finance. With A Mortgage 4 You from Michael J Alexander, you have the highest level of advice and service at your disposal, borne from over 40 years experience in the financial services industry. This means that we have the knowledge necessary to offer you the most suitable solution for your needs. Mortgages are often a person's biggest monthly outlay and finding the right one is critical to your financial health and security. That's where we can help. We research the UK mortgage marketplace constantly and use the most up to date sourcing software, for one, simple reason - so that you don't have to.

We are specialists in helping people who have adverse credit to obtain mortgages. This means that, even if you have CCJs, a history of arrears or repossession, have been discharged from bankruptcy, been in an IVA or have defaulted on Finance in the past, there could still be mortgages available to you. You may have to find a larger deposit and the interest rate may reflect the increased risk to the lender but the schemes are still there even in the most difficult mortgage market place that we have ever seen since the end of the last war.

Not only that but we also have special mortgage schemes exclusively for first time buyers, council tenants with a right to buy and those wishing to refinance, whatever the reason for doing so. Being Independent Financial Advisers we have access to the whole of the market with access to exclusive products from our mortgage clubs which you will not see on the high street.

Or perhaps you're interested in mortgages that are specifically for buying investment property to add to your existing portfolio or to start off in the Buy To Let Market or even looking to purchase a home abroad. Well, we can help you there too with packages that are aimed specifically at those needs.

Maybe you would like to consolidate your existing mortgage and all of your credit cards and loans into one affordable mortgage that would make your cash flow position so much better and clear all of your short term debts that attract high rates of interest.