We know, that purchasing, financing or re-financing a residential property can often be a complex, confusing and stressful process.

With YES Mortgage Services you can be assured that we help you fully understand the features, benefits, risks and costs associated with getting a mortgage – having first carefully considered your personal needs and circumstances.

So depending on whether you are looking to buy your primary residence, a country retreat or an investment property, we provide expert advice on the vast and ever changing mortgage market. With access to the whole of the mortgage market and using the technology to research and compare the best mortgages available, we can advise on the most competitive offers and the lowest interest deals that meet your borrowing requirements.

Your initial consultation is obligation free and we do not charge a Broker fee for our mortgage services.

Residential Mortgages

Arranging a mortgage (whether you are a first time buyer or an experienced home buyer) can be a bewildering process, with lots of different companies and products competing for your attention, and the lenders tightening up on their lending criteria. We help find the mortgage that suits you best. We can advise you on everything you need to know.

Re-mortgages

If you are considering switching your existing mortgage deal, or have arranged a mortgage with an introductory rate that is soon to finish, you may be unsure what to do next. In our opinion, remortgaging is an opportunity to look for a mortgage product that is more competitive.

Buy to Let Mortgages

A Buy to Let Mortgage is essentially a special mortgage loan, which enables you to buy a property to rent out.

Arranging a Buy To Let mortgage differs from arranging a residential mortgage to buy your own property. The amount you can borrow will mostly depend on the rental income alone, but some lenders will review your overall personal income and debt circumstances

We are experienced in arranging Buy To Let mortgages, whether for clients buying their first rental property or for an experienced landlord. We also offer sensible, honest advice on the process: to begin with, we always recommend that aspiring landlords first seek independent advice before considering purchasing a rental property, so the legal and tax issues are understood before proceeding.

This product is not regulated by the FCA.

Let to Buy Mortgage

A Let To Buy is a mortgage product available to customers which offers an alternative to the popular “Buy To Let” option.
A let to buy mortgage works by allowing you to borrow money to buy a new home to move into, while your existing residence is let out to tenants.
Generally, the new mortgage lender will calculate the maximum that they are prepared to lend you and not take your existing mortgage into consideration as a commitment as long as the rent covers the existing mortgage payment.
A deposit maybe required for the new mortgage however this maybe released from the existing property by remortgaging to a Buy to Let or a secured loan.

This product is not regulated by the FCA.

Self-build Mortgage

In the past the only types of self build mortgages on offer were arrears staged-payment mortgages, which meant a stage had to be finished before funds were released and customers needed to be cash rich at the beginning to get the build under way.
But a number of providers now offer advance staged-payment self-build mortgages called the Accelerator mortgages. With the accelerator self build mortgage funds are released prior to the start of each stage and customers can borrow up to 95 per cent of the land costs and up to 95 per cent of the construction costs.