Mortgage Light

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New Homes Hotline – 01908 870017
01908 597655
New Homes Hotline – 01908 870017
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  • About Us
    • Meet the Team
  • Mortgages
    • Remortgaging
    • Help to Buy Remortgages
    • Help to Buy Mortgages
    • Shared Ownership Mortgages
    • Bad Credit Mortgages
    • Buy to let Mortgages
  • Protection
    • Home Insurance
    • Life Assurance
    • Critical Illness Protection
    • Income Protection
    • Business Protection
    • PMI (Private Medical Insurance)
  • Existing Customers
  • Blog
  • Contact Us
  • Partnerships

What is Mortgage Porting?

November 12, 2020 By Mortgage Light Leave a Comment

Moving house can be a really exciting time; scouring RightMove for potential new homes, heading to viewings and finding ‘the one’, and then getting your own house up on the market to sell. Amongst all of this, however, it’s really important to decide what your next move will be in terms of your mortgage. Should you find a new mortgage deal, or try to port your existing one? [Read more…]

Filed Under: Uncategorized

Here to Help: Mortgage Light teams up with EAC Consulting to launch Here to Help: Job Search Workshop

November 11, 2020 By Katherine Leave a Comment

We’re proud to have partnered with recruitment agency EAC Consulting to launch the Here to Help Job Search campaign – an initiative designed to support people looking for work in the area as the second lockdown continues. [Read more…]

Filed Under: Uncategorized

Switching to a New Mortgage Deal

November 5, 2020 By Mortgage Light Leave a Comment

When you take out a mortgage to buy your home, you typically take a deal that is to be paid off over the next 25-30 years. That doesn’t mean, however, that you have to stick with that original deal or lender for the whole of that term. In fact, it often makes sense to move your mortgage borrowing around onto different deals, or different lenders to take advantage of deals that might be available. Transferring your mortgage borrowing without moving house is known as remortgaging. [Read more…]

Filed Under: Uncategorized

Self-Employed Mortgage – How Does it Work?

October 27, 2020 By Mortgage Light Leave a Comment

When you are self-employed, you may wonder how much you can borrow when taking out a mortgage. The nature of being self-employed often means that your income is not fixed each month/year. Without the security of a contract of employment, you may find it difficult to persuade some lenders that your income is stable enough to allow them to approve you for the mortgage that you want. [Read more…]

Filed Under: Uncategorized

Shared Ownership – How Does it Work?

October 14, 2020 By Mortgage Light Leave a Comment

The Shared Ownership scheme has been around now since the 1970s. It’s a very popular way for those on low incomes or with low deposits to get onto the housing ladder. Shared Ownership has been described as a cross between homeownership and renting – but how does it actually work? [Read more…]

Filed Under: Shared Ownership, Uncategorized

Is Shared Ownership a Good Idea?

October 7, 2020 By Mortgage Light Leave a Comment

If you would like to buy a property outright but you can’t raise a mortgage large enough to complete the purchase, then you might consider making use of the Shared Ownership scheme. The Shared Ownership scheme is designed to make buying a house more accessible for people on a lower income or who have low deposits- but is it a good idea? [Read more…]

Filed Under: Shared Ownership, Uncategorized

Help to Buy Repayment Options

October 2, 2020 By Mortgage Light Leave a Comment

The Help to Buy equity loan scheme has been around now since 2013, and with many people coming to the end of their five-year interest-free period on their Help to Buy equity loans, many are asking the same question – what are my repayment options? The good news is that there are a few different routes that you can take when paying back the equity loan – and we at Mortgage Light have experts that can help you decide which is best for you. [Read more…]

Filed Under: Help to Buy, Uncategorized

Homebuyer moves up the ladder – with the help of Mortgage Light for a second time

September 7, 2020 By Katherine Leave a Comment

Amy Barrows (26), a recruitment consultant, has been a two-time customer of Mortgage Light in the past five years. In 2016, the team helped Amy onto the property ladder using Shared Ownership and four years later, Amy was ready to climb onto the next rung – again with Mortgage Light’s help. [Read more…]

Filed Under: Uncategorized

Remortgage: How Does it Work?

August 13, 2020 By Mortgage Light Leave a Comment

Remortgaging is the process of taking out a new mortgage to replace your current one on a property that already belongs to you. When you buy your mortgage, you don’t have to think of it as something that you’ll be held to for the rest of your life. Instead, think of it as something to re-evaluate periodically to make sure you’ve got the best deal for your situation. [Read more…]

Filed Under: Remortgaging, Uncategorized

Shared Ownership Pros and Cons

August 8, 2020 By Mortgage Light Leave a Comment

Getting on the property ladder isn’t always easy. For many people, putting down a 10-15% deposit on a home can simply be out of reach. That’s why there are government schemes available to assist people in becoming homeowners. One of the most popular schemes is Shared Ownership.
[Read more…]

Filed Under: Shared Ownership, Uncategorized

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Mortgage Light Head Office

1 Whittle Court,
Knowlhill,
Milton Keynes,
MK5 8FT

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Free Initial Consultation

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £349. For our returning customers looking to renew their mortgage product this fee reduces to £199. We also receive commission from the lender.

A fee of £349 is payable on application of the mortgage. We will receive commission from the lender in addition to the fees you pay. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
Covering Milton Keynes.

Registered Office: Mortgage Light Ltd Church View Chambers, 38 Market Square, Toddington, Dunstable LU5 6BS. Registered Company Number: 8184773. Registered in England & Wales.

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