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Securing a mortgage can be a challenging and sometimes daunting experience for first-time buyers, and due to a steep price rise in the property market, many buyers find they possess only a small deposit for their mortgage, which can restrict their options. What’s more, first-time buyers find themselves faced with a multitude of decisions and questions.

Can I afford to buy a house? How much can I borrow? What will the mortgage itself cost and how much will the monthly payments work out to be? How large a deposit will I need? Do I need life insurance? What different types of mortgage are available and which should I choose?

At Endeavour Mortgages, we believe buying your first home should be an exciting experience. Our friendly advisors will be with you through the entire mortgage application process, ensuring it runs as smoothly and painlessly as possible. On hand assisting you with any questions you may have, we will help you to make informed choices that best suit your needs and every stage.

With our expert guidance, we will ensure you get the very best mortgage offer available and make your first step up on the property ladder a confident and happy one.

If you’re considering buying your first home, why not get in touch today?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

You may have successfully navigated the complex process of buying a home before, but it’s just as essential that your next mortgage is the perfect fit for you too. The mortgage products available on the current market are subject to change, and this happens on a daily basis. Since your previous purchase, your personal circumstances may also have altered, and you may find your needs are different for your next move.

Here at Endeavour Mortgages, we understand how crucial it is to get the top mortgage rates available for our clients. We will search across the market for the very best and latest deals available from the most reputable lenders. If your situation has changed since your first move, we will tailor your next mortgage to best suit them, ensuring your new home is ideal for your needs.

Our first-class customer advisors will be with you through the whole process from application to completion, ensuring it runs as smoothly as possible. We’re also readily available to answer any questions or concerns.

Why not give us a call? With our friendly team of experts, and a free initial consultation, Endeavour will ensure you get the very best deal available and take your next rung on the property ladder with confidence.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

If you presently possess a mortgage on your home, it’s always worth finding out if you are able to remortgage in order to get a better deal. You may also consider a remortgage product to replace your mortgage if your initial period has now ended, or you find yourself on your current lender’s variable rate.

Here at Endeavour Mortgages, we advise all our clients that the process of reviewing your mortgage on a regular basis is absolutely crucial, as it will ensure you are getting the very best rate and can potentially shave tens to hundreds of pounds from your mortgage payments.

Including saving money, there are many other possible benefits to remortgaging. The option to borrow money against your property can be particularly useful should you wish to repay large debts or reinvest in your own property by financing some home improvements that add to its value. You may also want to draw down money to invest in a second property.

Our expert advisors are on hand to offer qualified guidance on the very best mortgage deals available to you making the remortgage process smooth and straightforward. Together, we can discuss your remortgage options and explore their potential.

Speak to us today for a free initial consultation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE  

Here at Endeavour Mortgages, we will help navigate you through the Protection options available advising you on the strongest policies, that are both affordable to you and protect you and your family against all of the scenarios that worry you most, both now and in the future.

Ensuring that your protection does the job you want it to, should the unthinkable happen can be a daunting process, so having an adviser to help you navigate this process is the perfect way to get invaluable peace of mind.

You may want to be confident that your mortgage would be repaid in the event of an untimely death or to be reassured that should you not be able to work due to illness or injury, your family, a business, your mortgage or even other household bills were taken care of.

You may wish to leave your property to a partner, or family member, so Life Cover can be a highly cost-efficient way of protecting your family home with the option to further enhance your cover, with perhaps a surplus of money to be left to a loved one.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical or Serious Illness cover is designed to support you and your family should you suffer a life changing illness. Different types of illness covered can vary, but most of us are keen to cover the things people worry about most, Cancers, Stroke, Heart Attack, Dementia are all available and our experience makes Endeavour ideally suited to assist you in choosing the best fit to protect you and your family.

The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Many of us now have other household outgoings, over and above our mortgage that need to be maintained even in the event of illness or injury to maintain our family environment, so Income Protection insurance policies can substitute your income should you find yourself incapacitated due to accident or illness.

Building insurance is now a condition of most mortgage lenders when you are buying a house. You can also insure your home’s belongings with Contents insurance but there are so many options out there, we can help you find the best fit plan for your home.

Sadly, COVID has put further untold pressures on our NHS services and with the waiting lists ever growing, more & more people are considering the opportunity to have some Private Medical Cover. Again, as these options are vast, at Endeavour, we can help you look at the strongest options and most competitive premiums to make a bespoke policy suited just for you.

Whatever type of protection you’re looking for, speak to Endeavour for a free initial consultation.

At Endeavour Mortgages, we understand that as you get older, you might benefit from access to the money tied up in the bricks and mortar of your home. If you’re aged 55 or older, then our expert team can provide you with a number of options to release cash from your home, including receiving a lump sum to spend when you want, an amount divided into several smaller sums or a combination of the two. With equity release, there are no monthly repayments as both the loan and interest are usually repaid only on death or sale of the property.

The two main types of equity release available are lifetime mortgage and home reversion.

The most commonly chosen option is lifetime mortgage. With this kind of equity release, you retain ownership of your property while taking out a mortgage secured against it. You can set aside some of your home’s value as inheritance and opt to either make repayments or let any interest roll up. Any interest accrued, plus the loan amount, is paid back in full when you move into long-term care or pass away.

With a home reversion option, you sell either all or part of your property in return for either regular payments or a single lump sum. You retain the right to live at the property rent free until you die, but you have to insure and maintain it during this time. As with a lifetime mortgage, you can set aside funds from the property’s value for inheritance or your own use. When your plan ends, your property will be sold and the proceeds from the sale shared out according to the various proportions of ownership.

Our professional advisors are ready to offer you the qualified guidance you need every step of the way, and will keep the process simple and straightforward. Together, we’ll assess your needs and discuss and explore the potential of releasing equity in cash from your home.

Contact us today for your initial free consultation.

THIS IS A LIFETIME MORTGAGE/HOME REVERSION PLAN TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION

Do you want to become a landlord, or are you already leasing and looking to expand your portfolio with additional properties? Whatever your position, Endeavour Mortgages is especially suited to help you realise your ambition.

Becoming a landlord is not something you should do lightly, or without sound advice and all the facts at your fingers. Purchasing a buy-to-let property is an investment of significant size with its own risks and implications. The role of landlord also carries with it a list of responsibilities that you should take into consideration and be ready for.

Here at Endeavour, our friendly experts will walk you through the whole process of buy-to-let investing ensuring you are fully prepared for your venture. As well as this, we will always be available to answer your questions.

We possess access to a wide range of deals for buy-to-let mortgages, making us perfectly placed to assist you. We are dedicated to getting the most cost-effective products for our clients.

Whether you are investing for monthly gains or for capital growth, our experienced team will ensure you get the best buy-to-let mortgage offer on the market and are fully prepared to achieve your goal. Contact us today to take the next step and arrange a free initial consultation.

SOME FORMS OF BUY TO LET ADVICE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

Here at Endeavour Mortgages, we are dedicated to placing difficult mortgages and are proud to offer mortgage products to suit any applicant, regardless of their circumstances.

Endeavour has full access to a huge portion of the market and the very best and latest deals available. We also possess a comprehensive understanding of the schemes available to home buyers struggling to get a foot on the property ladder.

There are Help to Buy equity schemes, which allow buyers to borrow up to 20% of the value of a new-build home interest-free for the first five years. First-time buyers purchasing in London can borrow twice this amount, with loans of up to 40% interest-free.

At Endeavour, we believe everyone is entitled to a home, and getting the level of help best suited to get them started, which is why our first consultation is always free. If you are uncertain whether or not you are eligible for such a scheme, our friendly professional advisors will be happy to talk you through the full range of options available to you and should you decide to apply, we’ll be with you every step of the way to guide you through the process from start to finish.

Get in touch today for professional, friendly Help to Buy advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Here at Endeavour Mortgages, we understand that getting the right assistance straight from the start is an essential first step to buying your home. We strongly believe that no matter what your circumstances there is always a solution that will help you find your footing on the property ladder.

If you are a council or housing association tenant, you might qualify for assistance under the Right to Buy scheme. This has been set up to aid residents in England in purchasing the home they are currently living in, with discounts of £80,900 and up to £108,000 in London.

At Endeavour, we believe everyone is entitled to the very best help available, which is why our first consultation is always free. If you are unsure whether you are eligible for the Right to Buy scheme, please contact our friendly team of professionals. We’ll talk you through the full range of options and potential discounts available and answer any questions or concerns you have regarding affordability.

Should you choose to go ahead and apply for the Right to Buy scheme, we’ll steer you through the process from start to finish, making it as smooth as possible.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

For specialist advice on pensions and investments, including a no-obligation first meeting and a chance to use a Wealth Calculator tool, we can introduce you to Endeavour Financial Planning.

Endeavour Mortgages doesn’t offer pensions and investment advice, but Endeavour Financial Planning can help with this.