Residential Mortgages

Residential mortgages are for the purpose of funding the purchase or re-mortgage of your primary residence or a second home. At REF Capital we provide residential mortgage advice from the whole of the mortgage market. After assessing your financial position, your needs and priorities we will advise and recommend on the most suitable mortgage product available to you.

Purchase

If you are a first time buyer and you need advice on the process of buying a home, the different mortgage products and rates, the costs involved in making a purchase such as stamp duty and legal fees we can assist with your decision making. If you are a seasoned home mover or purchasing a second home, the mortgage market is a fast moving arena where rates are regularly changing, at REF Capital we are best positioned to find you the best mortgage product that suits your needs. Whatever your situation we're confident we will provide you with excellent advice and market leading mortgage options for your purchase.

Re-mortgage

If you are currently paying a standard variable rate or your current fixed or tracker rate is about to end, contact us. We can advise you on the pros and cons of staying on your SVR, taking a retention rate with your current lender or re-mortgaging to another lender. By re-mortgaging or taking a new rate with your existing lender you could save on your monthly mortgage payment by making a small up front payment for a new mortgage product. We will evaluate what is the most cost effective option for you to take.

Let to Buy

If you are currently a home owner with a mortgage and would like to buy a new property without selling your existing property, we can assist. By following a simple principle of letting your existing property and using a new residential mortgage to purchase your new home your current property can become an investment. Not all lenders will allow you to do this, at REF Capital we can advise you on how best to structure this type of purchase.