Mortgages
A home is one of the biggest purchases you will ever make, so it’s important to make sure you make the right decisions when choosing a mortgage. We will look at your personal circumstances and make a recommendation tailored to you.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.
First time Buyer
As a first time buyer the entire house purchase process can seem very daunting and choosing the right mortgage can become confusing. We can guide you through the entire mortgage process. From giving you tips to become mortgage ready, through to completing the application and dealing with the lenders. We want to make your mortgage journey as easy and smooth as possible. We will always recommend the most suitable mortgage for your circumstances, Read More.
Home Mover
There are many reasons you may want to move home, upsizing, downsizing, relocating or something else. You may want to know how much you can borrow before you start looking, or you may have found your forever home and want to explore your mortgage options. We can give you the best chance of being accepted by the lender and take the stress out of your mortgage search, leaving you to decide on the décor
Remortgage
If you are coming to the end of your current deal, or already on the lenders standard variable rate then it can be a good idea to see if there are better deals with other lenders before limiting yourself to sticking with what you know. Alternatively, you may be looking to make some changes to your financial situation. For example: reducing your mortgage term, borrowing more for a renovation project or simply to redeem a help to buy equity loan.
Self-Employed
Self-employed, contractors and freelancers can find it more difficult to get a mortgage, this is because of the way lenders assess your income. We can help you understand how your income will be assessed and make sure the lenders criteria fit your circumstances. Read More.
Low Credit
Poor credit history or a low credit score does not mean you cannot get a mortgage. There are specialist lenders available that may be able to help depending on your situation. We will look at your circumstance to see if a mortgage is affordable and sustainable, and we can check with the lenders to see if you fit their criteria.
Buy to Let
Whether you are a first time landlord or have an extensive property portfolio, and whether you are looking to purchase or remortgage we can help you find the right buy to let mortgage for you. We have access to exclusive deals not available on the high street. Some buy to let mortgages are not regulated by the FCA. As a whole of market mortgage advisor we do not have access to deals that are only available directly through a lender
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Lupo Mortgage Services is based in Wolverhampton, but we operate throughout the whole of England and Wales.
Think carefully before securing debts against your home. Your home maybe repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK
Lupo Mortgage Services (FCA No. 941171) is an appointed representative of Julian Harris Mortgages Ltd (FCA No. 304155) which is authorised and regulated by the Financial Conduct Authority. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk