Fisili can offer you all types of mortgages We are independent,
therefore we are not tied into any particular bank or lender so can
search the whole of the market to get you the best deal. Even if you
have a bad credit history. We can advise on the best mortgage for your
circumstances from a range of variable range mortgages, fixed rate
mortgages or tracker mortgages.
Our specialist knowledge means we can offer advice on High LTV
mortgages, Right to Buy mortgages and Bad Credit mortgages to obtain the
best deal for your current circumstances.
First time buyers
Fisili Finance can still obtain mortgage products with as little as 90%
L.T.V. enabling the first time buyer to get a foot on the property
market with a small deposit.
Bad credit ?
The mortgage you are likely to be offered if you have a history of bad
debt is sometimes known as a sub-prime mortgage, non-standard mortgage
or bad debt mortgage. It is no different to a standard mortgage, except
that it may be offered at a slightly higher rate. Once you have been
successful in obtaining your mortgage, your credit history will
immediately improve. Subject to you keeping up the repayments for a
period of time, you will eventually be entitled to re-mortgage to a
fully standard mortgage and therefore enjoy a wider range of mortgage
options.
Remortgages
If you are a homeowner and have equity in your property, you can raise
money and consolidate your debts even if you have credit problems.
Sub-prime remortgages, Non-conforming remortgages , or Bad Credit
remortgages are becoming a common way to raise money to pay off
existing debts. Many lenders are now offering very competitive
remortgage products to cater for this growing market.
If you are coming out of a fixed deal with your current lender, you
still have to change otherwise your payments will sore rapidly. Fisili
can save you money, even in the current economic market we all are
facing at the moment
Right to Buy
Right to buy entitles qualifying council tenants to purchase their home.
Under the Right to Buy scheme, you can buy your home at a price lower
than the full market value. This is because the length of time you have
spent as a tenant entitles you to a discount. We can advise on the
procedures involved in dealing with your council
(a leaflet is available to download by clicking here)
Equity release/Home improvement
You may want to take some equity out of you home for a luxury purchase
or even to fit a new kitchen. An equity release mortgage is probably the
most cost effective loan to keep your payments low.
Why use Fisili Finance ?
We do not charge brokers fees on any of our loan applications. It will
not cost you anything to apply, there are no hidden catches and you are
under no obligation to accept an offer.
With Fisili Finance you do not need to to take time off work or out of your busy
lifestyle. We can do it all over the telephone at a time to suit you,
then post the forms out to you.
Use our calculator to see how much your monthly payments might be.
Change the figures to suit your requirements. These figures should be
treated as a guide only. You will get your own individual prepared
quotation from Fisili Finance before choosing your mortgage. You may be
able to borrow more, or less, depending on your financial circumstances,
other commitments and the mortgage lender you choose.
We search the whole of market to get you the best deal whatever your
circumstances
