Mortgage Light

Call Phone Icon01908 597655
New Homes Hotline – 01908 870017
01908 597655
New Homes Hotline – 01908 870017
  • 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
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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
Home / Mortgages
Buying a New Home

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Mortgage Advice for Milton Keynes

Here at Mortgage Light, we not only explain what a lender can lend, but also talk you through the buying and selling process.

We can discuss whether it is better staying where you are and extending, or selling up and buying a new home. Our job is to discuss your options and help you decide which avenue is best for you once you know all the facts and the costs that are involved.

It will cost you to move, and you will need to factor in both solicitors costs and estate agent fees. In conjunction with this you need to know your shopping budget, and what you feel comfortable spending each month along with the running costs of your new home.

We can give you a quick idea over the phone of what you can spend, or you can come in and have a free consultation and talk through all the options that are available to you.

Which Mortgage is Right for You?

Remortgage

Remortgage

A remortgage gives you choice, and control! Here at Mortgage Light we make this easy for you. Simply contact us to arrange to come in and discuss your needs. Pushed for time? Just give us a call, we will be able to go through your options in a quick chat over the phone.

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Help To Buy Remortgage

Help to Buy Remortgage

In April 2013 the government launched its biggest intervention into the housing market since the 1980s - the Help to Buy scheme. The scheme was initially launched with the aim to give first-time buyers a leg-up to the housing market.

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Help to Buy Mortgages

Help to Buy Mortgages

With a Help to Buy Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.

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Shared Ownership

Shared Ownership

It is the most common affordable purchase option, quite simply you purchase a share of the property, with the remaining proportion being retained by a Housing Association who then charge a monthly rent. Share values vary but most commonly they are between 30% and 50%.

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Bad Credit

Bad Credit Mortgages

Having a less-than-perfect credit history does not mean you can’t get a mortgage even if a lender has turned you away in the past, it still may be possible for you to obtain an ‘adverse credit mortgage’ or ‘bad credit mortgage.

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Bad Credit

Buy to Let Mortgages

The market is continuously changing and we aim to keep our advice clear and simple. The Buy to Let market is assessed differently to those moving into their own home to live. Lenders always have criteria and you need to fit within their parameters for you to be eligible to obtain a mortgage from them.

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Who we can help

First Time Buyers

First Time Buyers

Home Owners

Home Owners

Existing Customers

Existing Customers

Buy To Let Investors

Buy To Let Investors

Contact Us

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Who We Can Help

  • First Time Buyer
  • Homeowner
  • Existing Customers
  • Investor

Which Mortgage is Right For You?

  • Remortgaging
  • Help to Buy Remortgages
  • Help to Buy Mortgages
  • Shared Ownership Mortgages
  • Bad Credit Mortgages
  • Buy to Let Mortgages

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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