Mortgages Bolton
Looking for the right property mortgage in Bolton may be tough without the right support. It can be difficult to make progress or find a mortgage in Bolton that is specific to your needs and circumstances.
AR Mortgages provide a tailored personal service. We invest our time in you, making our money by saving you money. With our exclusive rates for buyers, we’re always happy to discuss our deals at a convenient time for you, morning, noon or night. We’ve saved 100’s buyers’ time, and most importantly money.
Our advisers will go through your personal circumstances at a time convenient for yourself so we can tailor a mortgage for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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Key points which must be reviewed when buying your home.
- Find out how much you can borrow we will discuss your income, outgoings, future plans and savings to establish how much you can borrow and afford.
- Find a home that matches your affordability.
- View that property.
- Make an offer.
- Obtain an agreement in principle from the lender (not legally binding from the lender).
A mortgage in principle is also known as a Decision in Principle (DIP), Agreement in Principle (AIP) or mortgage promise. This is a statement from a lender saying that they’ll lend a certain amount to you before you’ve finalised the purchase of your home. … It’s important to note, though, that it’s offered in principle.
- Carry out a survey on the property.
- Choose a solicitor to assist with all the logistics in purchasing you new home.
- Exchange contracts.
- Mortgage completion.
- Move to your new home!
For full explanation of the steps please call and speak to one of our advisors, we will be more than happy to explain this in further detail with you.
| YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. |
About Bolton
Bolton is a large Northern Town in Greater Manchester which is close to the West Pennine Moors and is only 10 miles North-West of Manchester. It is surrounded by several neighbouring towns and villages that together form the Metropolitan Borough of Bolton.
Greater Commuter Links
The A6, a major trunk road for the North to the South of the UK passes through Hunger Hill and Westhoughton. The M61 has three dedicated junction serving the borough of Manchester.
Culture and Society
A recent survey conducted by the British Association for the Advancement of Science stated that Boltonians are the friendliest people in Britain.
Notable People
Recent people who were born in Bolton include Fred Dibnah, a local steeplejack who became a popular celebrity on Britain’s past.
Amir Khan, world champion boxer who became Britain’s third-youngest world champion boxer.
Comedian Pete Kay, famous for the TV Comedy show Phoenix nights and Car share.
FAQ’s
How much can I borrow?
This will differ from lender to lender, some will use affordability calculators, whilst other lenders use income multiples. With an ever- changing mortgage market a lenders criteria will change, so we will need to review your circumstances to determine which lender will be best for you.
How long does it take to get an Agreement In Principle for a mortgage?
In most cases 1-24 hours. Once you’ve received an agreement, you’re ready to buy a property.
Explain the level of service that Alexander Ross Mortgages offers?
We’ll advise and make recommendations once we’ve assessed your needs. Everybody and each situation is different, but we’ve been through them all! Thriving economies, helping people with debt and CCJ’s, small business owners and we’re accomplished at helping our customers get the mortgages they need, in these tough financial times.
Is the lowest rate mortgage deal always the cheapest?
No, it’s not. When we’re recommending a mortgage deal, we’ll also look at the associated fees within the mortgage and build these factors in. We’ll give you the true cost of the deal. Our aim is to help you work though the benefits and drawbacks of all the deals on the table and work out the best for you.
How long will the buying process take, from placing a mortgage application, to getting our keys?
Well this will be determined by the property that you are purchasing. If you purchase a vacant property and you’re not in a chain, then it would be possible to get your keys within 4-6 weeks. However, if the property you’re purchasing is in a long chain, the process could take up to 12-16 plus weeks.
What else do I need to consider once I’ve had my mortgage agreed?
It is important to understand that this commitment is a serious one. You’ve made it for a variety of reasons, that other life factors may need to be taken into consideration. Your need for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, Home Insurance and Private Medical Insurance. All of which can be discussed in detail and can easily be arranged for you.
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