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I need my mortgage application to be as easy as possible. Can you help?

I need my mortgage application to be as easy as...

We love this question! At Amor Financial, everything we do is designed to make mortgage applications as simple and as…
What paperwork do I need to get together to speed up my mortgage application?

What paperwork do I need to get together to speed...

Before a bank or building society will lend you money to buy or improve your house, or to remortgage to…
Can I talk to my mortgage adviser in the evenings and weekends?

Can I talk to my mortgage adviser in the evenings...

Absolutely no problem! At Amor Financial, we're used to working with busy people who live and work in Tunbridge Wells,…
How much can I borrow?

How much can I borrow?

It's the top question for anyone wanting to take out a mortgage to buy their dream home or investment property…
Will my credit history affect my mortgage application?

Will my credit history affect my mortgage application?

​It's a question that makes a lot of mortgage applicants nervous: how will their credit history affect their ability to…
How much money do we have to save to get a mortgage?

How much money do we have to save to get...

​The size of deposit that you will need will be governed by the value of your house that you want…
I have just set up my own business; will I still be able to get a mortgage?

I have just set up my own business; will I...

To get a mortgage you have to prove your earnings. If you're employed, that's easy: you just have to hand…
I am thinking of investing in property, how are buy-to-let mortgages calculated?

I am thinking of investing in property, how are buy-to-let...

​Many people choose to invest in property, whether that's by renting out their current home rather than selling it or…
I am recently divorced, can I get a mortgage?

I am recently divorced, can I get a mortgage?

Whether you're in the process of separating or have recently got divorced, you can get a mortgage.The process will be…
I prefer to text rather than email or phone; is that OK for arranging my mortgage?

I prefer to text rather than email or phone; is...

We all lead busy lives these days. But the great news is that there are more options than ever to…
I am moving in with my partner, can I convert my current home into a buy to let?

I am moving in with my partner, can I convert...

The answer is yes, assuming the maths of the rental income makes sense, you should be able to do that.…
What are later life mortgages?

What are later life mortgages?

Later life mortgages are – as their name suggests – for people in 'later life'.However, as you would expect with…
Our fixed-rate mortgage term is about to end, but we’re trying to sell our house. Is it worth us remortgaging?

Our fixed-rate mortgage term is about to end, but we’re...

The simple answer is that it may well be worth it. Whether it is or not will depend upon a…
I have a buy-to-let mortgage but am having trouble remortgaging, can you help?

I have a buy-to-let mortgage but am having trouble remortgaging,...

Yes – we would be delighted to help. We love getting our teeth into more unusual mortgages, the ones that…
Do my children affect how big a mortgage I can get?

Do my children affect how big a mortgage I can...

Your children are your be all and end all, they're the reason you get up in the morning and why…
What does loan-to-value ratio mean, and how will it affect my mortgage?

What does loan-to-value ratio mean, and how will it affect...

When you're applying for a mortgage or looking to remortgage, one of the phrases that you'll come across is 'loan-to-value…
What is the mortgage stress test?

What is the mortgage stress test?

If you're applying for a mortgage, 'mortgage stress test' is one of the phrases you may come across. It's essentially…
How long will my mortgage take to go through?

How long will my mortgage take to go through?

We always try to give our mortgage clients from Tunbridge Wells and the surrounding areas of Kent, Sussex and Greater…
Can I remortgage my buy-to-let property to raise capital?

Can I remortgage my buy-to-let property to raise capital?

The short answer is that you may be able to, depending upon why you want to remortgage your buy-to-let property.Lenders…
What’s the difference between a consumer and an investment buy-to-let mortgage?

What’s the difference between a consumer and an investment buy-to-let...

If you want a mortgage for a property that isn't your main home, you will need a buy-to-let mortgage. But…
If my mortgage involves a lot of work, will I pay more?

If my mortgage involves a lot of work, will I...

With a lot of services, the more time the adviser has to spend on your behalf, the more you pay.…
I’ve been unsuccessful in getting a mortgage. Can you help?

I’ve been unsuccessful in getting a mortgage. Can you help?

High-street banks have some great mortgage products, but they tend to be round-hole solutions for round-peg problems. If your personal…
When should I re-mortgage?

When should I re-mortgage?

It's a key question that we get asked by lots of clients. And it may surprise you to know that…
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