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At credicus we have a unique approach to mortgages

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Mortgages

Mortgages are available in many forms and at credicus, as mortgage and short-term lending specialists, we know how complex and overwhelming this can be. That is why we took the decision to simplify the process. We aim to de-mystify the products and the application processes, to make your journey as straightforward as possible, with expert advice and personal support at every stage.

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First Time Buyer

We know that looking for your first mortgage can be both stressful and complicated, that’s why we work with lenders across the market to provide first time buyers (FTB) with expert advice on all their mortgage options, right up to 95% loan-to-value option.
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Buy To Let

The buy to let market can be complicated, with many options for both first time landlords and existing landlords getting the right advice can be critical.
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Re-Mortgage

People find themselves looking to re-mortgage for a number of different reasons, they may be approaching the end of a fixed rate mortgage term or there may be a change in their personal circumstances.
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Interest Only Mortgages

As the name implies, an interest only mortgage means that you are only paying back the interest on what you have borrowed, rather than the sum itself. At the end of the term of the mortgage you pay back the full amount that you borrowed in one lump sum.
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Foreign National Mortgages

It is possible to get a mortgage as a foreign national in the UK, especially with the support of an experienced broker like credicus.

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Expat Mortgages

At credicus we understand that, as an expat, there is often the need to purchase a new home prior to returning to the UK or even to finance a home that you have left in the UK.

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Holiday Let Mortgages

Holiday Let Mortgages are very different to Buy to Let mortgages and can provide you with a lot more flexibility. They are designed to allow you to buy a home that you can rent out throughout the year as a business and let out to tourists and holiday makers on a short-term basis.
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Contractor Mortgages

As a contractor or maybe a freelancer you may have thought that obtaining a mortgage was going to be complicated and dare we say more difficult, than if you are in full time employment.
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Self Employed Mortgages

If you are self-employed and looking for a mortgage than the credicus are here to help you every step of the way.
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Professional Mortgages

Professional mortgages are tailored to people in specific types of jobs, they offer more favourable terms in comparison to standard residential mortgages, and often have other benefits to offer.
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New Build Mortgages

Buying a new build property has many benefits, improvements in energy efficiency, your ability to select bespoke finishes and no chain to be caught in. Whilst the benefits are numerous, so are the funding options available to you.
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Specialist Mortgages

Credicus is all about simplifying and de-mystifying the mortgages process. We appreciate that not everyone will be able to obtain a mortgage from a typical high street lender and that one size does not fit all.

First Time Buyer

We know that looking for your first mortgage can be both stressful and complicated, that’s why we work with lenders across the market to provide first time buyers (FTB) with expert advice on all their mortgage options, right up to 95% loan-to-value option. 

Don’t get confused by the different terms and references used in the mortgage market, at credicus our mortgage brokers are here to help you every step of the way. They will explain every detail, making sure you have someone on hand to help whenever you need them. 

Your mortgage decision will be one of largest financial decisions you make, so don’t do it on your own, credicus will help you understand every aspect of buying a property, from how much you can borrow to what type of loan works best for you. We can also advise you on the right mortgage protection insurance to protect you and your loved ones once your mortgage is in place.

credicus are more than just a broker, we are here to make sure you get the very best service and mortgage solution whatever your circumstances, however much you want to borrow. We take the time to understand your unique requirements and pair you with the best lender for your situation.

Buy To Let

The buy to let market can be complicated, with many options for both first time landlords and existing landlords getting the right advice can be critical. 

A buy to let mortgage is still a loan that is secured on a property, but it enables you to rent it out once the loan is in place. You can rent the property to a family, to individuals or to a company.

Mortgage rates and fees are typically higher on a buy-to-let mortgage than a main residence mortgage and loan amounts can be based on both your income, and on the rental income the property will achieve.

So getting the right advice and guidance on what products are available and which best suit your investment needs can be critical. 

At credicus our expert Buy to Let brokers will work closely with you to fully understand your objectives and property investment goals.

The credicus team are fully committed to finding the best deal for you, whatever your circumstances and however much you want to borrow. We will take the time to understand your unique requirements and pair you with the best lender for your situation.

Contact us to find out more about how we can help with your future or current investment property.

Re-Mortgage

People find themselves looking to re-mortgage for a number of different reasons, they may be approaching the end of a fixed rate mortgage term or there may be a change in their personal circumstances. 

Whatever the reason you need to know that the guidance and advice you are being given is right for your particular needs. 

The credicus team are committed to finding the best deal for you. Whether you want to re-mortgage for home improvements, debt consolidation, a separation or simply to obtain a better interest rate. 

Our specialist mortgage advisers will assess your existing position and give you the best advice as to whether a change of lender is required, or if a better product can be obtained from your existing lender.

When you re-mortgage, you need to ensure that your needs are being paired with the most appropriate mortgage lender for your situation, whatever your circumstances. With our whole of market approach let the team at credicus find you the most appropriate solution to your re-mortgage needs.

Contact us today and find out more about how we can help with your re-mortgage.

Interest Only Mortgages

As the name implies, an interest only mortgage means that you are only paying back the interest on what you have borrowed, rather than the sum itself. At the end of the term of the mortgage you pay back the full amount that you borrowed in one lump sum. 

Interest-only mortgages can be harder to obtain, as you need to give evidence that you can pay back the lump sum at the end of the term. However, they can be a sensible option for people who get paid in large bonuses or whose salary is mostly commission based because monthly payments are kept low. 

The flexibility that this mortgage provides means that there are more stringent lending criteria.

To help you find the right lender the team at credicus have access to the broader market across banks, building societies, private banks and boutique lenders. They are committed to finding the best deal for you, whatever your circumstances, however much you want to borrow. We take the time to understand your unique requirements and pair you with the best lender for your situation.

Contact us to now so we can help find the most appropriate lender for your needs.

Foreign National Mortgages

It is possible to get a mortgage as a foreign national in the UK, especially with the support of an experienced broker like credicus

We work with mainstream, specialist lenders and private banks to find the most appropriate lender and mortgage to suit any client. 

Our experience has proven it is generally straightforward to find mortgages if you’re a foreign national living in London or the UK – especially if you have lived here for over two years, have a permanent job and a UK bank account.

But, at credicus we also know that things are not always straightforward, that’s where our specialist broker support team steps in. So don’t worry if you don’t have permanent residency, you might still be able to apply for a mortgage as a non-EU national if you have a Tier 2 work visa, Family visa, UK Ancestry visa or Residence card. 

Our experienced team are on call and may be able to help you find the funding you need. So contact us now to find out more about Foreign National Mortgages and how the team at credicus can help you.

Expat Mortgages

At credicus we understand that, as an expat, there is often the need to purchase a new home prior to returning to the UK or even to finance a home that you have left in the UK. 

Whatever the reason arranging this type of finance can be complex, you need a broker that understands the market and the potential obstacles that can crop up. That is where credicus comes in. 

We specialise in finding lending solutions for foreign nationals, British expats, UK residents earning in foreign currencies and non-domiciled UK residents. We have relationships with a wealth of standard high street lenders, international lenders and private banks and can successfully help you navigate the complex world of Expat mortgages.

Don’t make the process more complicated for yourself, contact one of our expert team to find out more about our Expat mortgages solutions.

Holiday Let Mortgages

Holiday Let Mortgages are very different to Buy to Let mortgages and can provide you with a lot more flexibility. They are designed to allow you to buy a home that you can rent out throughout the year as a business and let out to tourists and holiday makers on a short-term basis. 

Increasingly, investors are looking at buying holiday homes in UK holiday hotspots to gain a slice of this growing trend. Holiday lets can generate a good additional income and they have special tax advantages providing they qualify as Furnished Holiday Lets. 

If your holiday let is available to rent as furnished holiday accommodation for a minimum of 210 days a year it could qualify for a holiday let mortgage, still giving you 22 weeks of the year to enjoy it yourself. 

Our expert broker teams have a detailed knowledge of the holiday let lender market, and in acquiring holiday let finance for our clients. Our lender relationships ensure that we can guide you through the process and ensure that you get the right lending solution to meet your needs. 

The credicus team will work tirelessly to find the best deal for you, ensuring that you receive the very best service is key to ensuring we have a long lasting relationship. 

Contact us to find out about obtaining a Holiday Let Mortgage

Contractor Mortgages

As a contractor or maybe a freelancer you may have thought that obtaining a mortgage was going to be complicated and dare we say more difficult, than if you are in full time employment.

It’s true that it can be more complicated for a contractor to get a competitive mortgage deal directly from high street lenders, mortgage advisers can struggle to interpret your limited company income. 

Contractor mortgages are based on your contract rates, not your accounts. Some lenders will use your daily rate to calculate the amount you can borrow, while others will look at average annual earnings over a number of years. 

At credicus we understand that this process can be stressful, and worrying, so your relationship manager will work with you, and your accountant, to refine your application and find the best way in presenting your case to our extensive portfolio of lenders even if you are first time buyer. 

The credicus team are fully committed to finding the best deal for you, whatever your circumstances and however much you want to borrow. We will take the time to understand your unique requirements and pair you with the best lender for your situation.

Contact us to find out about obtaining a mortgage with Contract Income

Self-Employed Mortgages

If you are self-employed and looking for a mortgage then credicus are here to help you every step of the way. 

It’s true, getting a mortgage if you are self-employed can be challenging. 

credicus are expert in meeting that challenge, we help sole traders, partners, limited company directors, agency workers and other self-employed clients find competitive deals, even if they haven’t been trading very long or if they don’t pay themselves a large salary. 

What makes credicus different? We will actively look for a way to get the deal you want. Our access to a wide range of products makes getting self-employed mortgages that are tailor made for you easier than ever before. 

At credicus we can help you through the complicated process of compiling the information and submitting your application to the right lender. What’s more, with our daily access to specialist lenders we often get deals which are only available to the broker market and you would not normally see. 

To find our more on how the team at credicus can help you contact us now for more information on self-employed mortgages.

Professional Mortgages

Professional mortgages are tailored to people in specific types of jobs, they offer more favourable terms in comparison to standard residential mortgages, and often have other benefits to offer. 

They can allow eligible professionals to borrow a larger percentage of the property’s value and also take into account their likely future income when calculating affordability. To secure a professional mortgage, your occupation must meet the mortgage lender’s definition of a professional. This varies with each lender, but some professions are universally acceptable.

credicus have a team of personal mortgage experts that are well versed in the complexities of arranging this type of finance. Whether its dealing with NHS staff who often have different shift patterns, non-standard ways of getting paid and banked hours or more high income earning professions such as Accountants, Barristers,  Dentist, Pilot or Solicitor/Law Firm Partners. 

If you need help and support in sourcing and applying for a professional mortgage then contact the credicus team, our experts are waiting to help. 

Contact us to find out if you can benefit from a professionals mortgage

New Build Mortgages

Buying a new build property has many benefits, improvements in energy efficiency, your ability to select bespoke finishes and no chain to be caught in. Whilst the benefits are numerous, so are the funding options available to you. 

Your credicus mortgage adviser will advise on the various new build schemes available, any special products available, and to help if the developers do not complete the build within mortgage validity date period of your mortgage offer (usually 3-6 month) which can sometimes cause problems. 

If you are buying off plan we can we can also assist with mortgages which benefit from extended offer periods. With any new build process the completion dates can be impacted by many factors, a lot can change over a few months and you can be confident that your credicus lending team will be there to assist throughout the build and completion process.

Contact us now find out if you can benefit from a New Build Mortgage

Specialist Mortgages

credicus is all about simplifying and de-mystifying the mortgages process. We appreciate that not everyone will be able to obtain a mortgage from a typical high street lender and that one size does not fit all. 

On those occasions specialist mortgages are required for people that fall outside the normal lending criteria. Our broker teams will work with you, whatever your circumstances to provide the best possible case for you to secure the mortgage you need. 

You may need a specialist mortgage for a number of reasons. These could be personal, such as adverse credit history, credit impaired events, or a Low credit score. Employment related, such as Self-employed clients with 1 year or less trading accounts or complex income streams including benefit payments. Property related, such as non-standard property construction, what ever the reason the credicus team I there to help you find the best solution to your needs. 

Our team of Mortgage Advisers find specialist residential mortgages for clients whose personal and financial circumstances don’t quite meet the stringent lending criteria of mainstream lenders. We have direct access to an extensive specialist lender panel. 

credicus is here to change the way people approach borrowing, contact us now to find out how we can help you with your specialist mortgage needs.

Property finance made simple.