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Can I have a 100% mortgage?
Yes, at Martin Mortgages we have access to lenders who will borrow up to 100% of the property value. No deposit is required for a remortgage, or Right to Buy.
What sort of rates will I be charged?
The rates charged by our lenders reflect your circumstances. Therefore a mortgage consultant will need to assess your situation before being able to tell you which rates would be available to you.
Which lenders do you use?
We search from the entire UK mortgage market, including high street lenders and specialists, with whom we have excellent relationships.
How can Martin Mortgages help?
Our team know the mortgage market and we work to find the best mortgage for you. We are also able to help people who are having difficulty in obtaining a mortgage, maybe due to difficulty in proving income or having had credit problems.
I am not on the voters role, can I still get a mortgage through Martin Mortgages?
Yes, if you are able to provide proof of residency in the form of 'utility bills' 'bank statements' etc.
I am unemployed, can I still get a mortgage with Martin Mortgages?
An income will be required from a guaranteed source, such as Private Pensions, Occupational Pensions, Investment Income etc.
How long do I need to be in my job before I can get a mortgage through Martin Mortgages?
The criteria varies from lender to lender, please call Martin Mortgages on 01952 244 653 for more details.
How much can I borrow in relation to my income?
Generally most lenders will lend 3.5 times your annual income or 3 times a joint income, however there are other factors which are taken into consideration and some lenders do apply higher income multipliers. Please call Martin Mortgages on 01952 244 653 for more details.
I have an outstanding balance from a property repossession, can I still get a mortgage with Martin Mortgages?
The criteria varies from lender to lender, please call Martin Mortgages on 01952 244 653 for more details.
Can I get a decision on a mortgage before I have found a property to buy?
Yes, it is a good idea to get your mortgage approved subject to property. This means less chance of a break in the property chain, your purchase will complete more quickly and you will be in a stronger position with estate agents when you do make an offer on a property.
Are buy to let products available if I have had previous credit problems?
Yes, normally up to a maximum of 80% of the purchase price. The mortgage is supported by the rental income, which generally must achieve a minimum of 125% of the monthly mortgage payments.
The above Questions and Answers are very general. Everyone's situation is different. For personal service and advice tailored to your individual needs, please call Martin Mortgages on: 
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