Craig Adams Mortgages
We work with our clients to source the right mortgage and protection cover, every time. Whether you are a first-time buyer, existing homeowner, portfolio landlord or property developer, Craig Adams Mortgages will provide tailored support to ensure buying your home is as stress free as possible. During the process we will discuss any relevant mortgage/personal protection, such as life insurance, critical illness cover and income protection.
Helping All Buyers
Criag Adams Mortgages recognise how stressful buying your first property can be, whether you are a first time buyer or buying your first investment buy to let property. Our extensive mortgage and protection experience means that we take the stress out of the process, guiding you through to ownership. Whether you are employed, self-employed or have adverse credit.
Finding The Right Mortgage For You
New Purchases & Re-mortgages
First Time Buyers
Second-Charge Mortgages
Buy-to-let (BTL) Mortgages
Limited company BTL Mortgages
Mortgages for Self-employed (minimum one year’s accounts)
Adverse Credit Mortgages including CCJs, Defaults, Secured Missed Payments
Satisfied Bankruptcy Orders and IVAs (T&Cs apply)
Help-to-Buy Mortgages
Shared Ownership Mortgages
Gifted Deposit and Family Assisted Mortgages
Lifetime Mortgages
Bridging Loans
Why Use A Mortgage Advisor
Reduce Stress
Getting a mortgage can be a daunting task even for seasoned buyers. Using Craig Adams Mortgages will mean you have someone on hand to advise and guide you throughout the process. We will help you every step of the way from establishing how much you can borrow, sourcing a lender that suits you and your circumstances, to finalising and completing the mortgage.
Clear Guidance
Craig Adams Mortgages provide bespoke guidance throughout your mortgage application process. You will be kept updated throughout all the stages of your application from agreement in principle, valuation, offer and completion. We will take the stress out of the mortgage application process.
All Your Finances in One Place
With Craig Adams Mortgages you get much more than just application assistance. Craig is a skilled Mortgage Advisor who will work with you to analyse your income, expenditure and affordability to establish your lending capability and capacity. We are there through every step of your home ownership journey, from first time buyer to next time buyer and ensuring you are protected throughout.
Find Out How Much You Could Borrow
Protection Services With Craig Adams Mortgages
Craig Adams Mortgages will help ensure your wealth is protected throughout your life, finding you cover for circumstances such as private medical care, life insurance, and critical illness cover.
Utilising direction from the Insurance Distribution Directive (IDD), key learning from Consumer Duty and best practice advice from the FCA, we are diligent and thorough in our thought processes and always have our clients’ best interests at heart. When recommending cover, we will consider price, quality of product and best underwriting terms for every client.
Personal Protection
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Critical Illness Cover
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Income Protection
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Business Protection
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Life Insurance
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Children's Critical Illness Cover
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Private Medical Insurance
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Executive Income Insurance
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Find The Right Mortgage for You – Mortgage Types
Repayment Mortgage
This mortgage type allows you to repay capital borrowed gradually over the set period of the loan, this is repaid in monthly instalments along with any interest. Providing these payments are consistently made over the duration of the outlined mortgage you will be guaranteed to clear the full amount borrowed. The amount of capital which is repaid gradually increases over the years whilst the amount of interest goes down. Most residential mortgages are on a repayment basis.
Interest Only Mortgage
With interest-only mortgages, you only pay off the interest on the amount you borrow. You can use savings, investments or other assets you have (known as ‘repayment plans’) to pay off the total amount borrowed at the end of your mortgage term.
Fixed Rates
As the name suggests, the interest rate is set at a certain level for a set period – this is usually two, three or five years, although occasionally longer-term fixed rates are available. During that period your rate is guaranteed not to change. When it comes to an end you will usually move onto your lender’s standard variable rate (SVR).
Tracker Rates
The rate you pay is attached to another rate, usually the Bank of England base rate. It is a set margin below or above that rate for a set period – for example, 1% above base rate for 5 years. During that time, it moves up or down if the other rate changes. Some trackers track rates set by the lender and some track the London inter-bank offered rate (LIBOR).
Discount Rates
The interest rate is a set margin below the lender’s SVR for a set period, and during that time it moves up or down as the SVR changes. Discount rates are normally for two or three years.
Offset Mortgages
Your savings will be offset against your outstanding mortgage. This includes your current account and savings account which are both linked to your mortgage. Month to month the amount in these accounts is offset against your outstanding mortgage before an interest amount is calculated. Offset mortgages can help some people reduce the term of their mortgage.
Flexible Mortgages
Flexible mortgages are a variable rate mortgage with flexible features such as allowing overpayments, underpayments, and payment holidays.
Whole of Market
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We Provide Mortgages From All Major Lenders
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