WHY US
We are Ross and James, your trusted mortgage advisors.
With years of experience and a deep understanding of the ever-changing marketplace we have the knowledge to create pathways to your dream home or investment property.
Whether you’re a first-time buyer, looking to remortgage, or building your property portfolio, we’ll guide you through the process and provide transparent, expert advice tailored to your unique needs.
No matter the type or size of mortgage you require our dedication is the same, we will take the time to understand you and your requirements before we search the market.
HOWZIT
/ˈhaʊzɪt/
exclamation South African, informal
Used as an informal greeting, equivalent to ‘hello’ or ‘how are you?’
Our services
Mortgages
FIRST TIME BUYERS
Ross and James will explain to you the whole home buying process free of any jargon. They will empower you to have confidence in the house purchasing process and understand the stresses and demands you will be under.
Howzit Mortgages Limited will offer you independent advice and source the most suitable provider on the market to meet your individual needs, allowing you to concentrate on finding that perfect home.
REMORTGAGES
Here at Howzit Mortgages Limited we focus on offering an excellent service and aim to make lifelong relationships with our clients. Our aim is finding you the best product for your needs whilst making this as hassle free for yourself.
We will discuss the possibilities of extending or reducing the term and if staying with your current lender is the right decision for you, if not we will recommend and manage the transition to a new product ensuring that you always have the most competitive rate.
HOMEMOVER
We work with you to fully consider your individual circumstances and research the whole of the market to find the most appropriate mortgage solutions. Its always best to thoroughly explore the market rather than for ease remaining with your current lender and porting.
Together we can explore the differing options including the type of mortgage fixed rate, capped, tracker, interest only or offset mortgages to meet you current and future needs.
BUY TO LET MORTGAGES
Howzit Mortgages have the experience and expertise to guide you through your financing options ready to support first time landlords or those that have sizeable portfolios already.
We have access to the whole of the open market and packagers that many be able to overcome complex scenarios.
Buy to Let and portfolio landlord mortgages are more complex than ever with our expertise we will support you through the minefield to obtain the maximum lending, to achieve your goals.
LIMITED COMPANY MORTGAGES
Owning investment properties in a limited company structure has the advantage of potentially lower tax rate on the income and being able to offset all the mortgage payments.
However, the disadvantages can be the Capital in a limited company may have a tax position when you use the funds personally and mortgage cost tend to be higher. We at Howzit Mortgages have the expertise to simplify your options and offer you a clear path to make the right decision.
MORTGAGES FOR FOREIGN NATIONALS
Being Independent advisors, we are able to help individuals from most countries whether it be somewhere to live or as an investment in the UK.
We have built up special links with banks and nurtured positive working relationships with underwriters who are more flexible in accepting different and varying incomes and using assets to prove affordability.
We aim to make this process as smooth as possible.
PROTECTION
Howzit Mortgages will talk you through the differing cover to help safeguard your home and financial stability, giving you peace of mind during possible challenging times.
Different forms of Protection:
Life Insurance
This is a contract that provides a lump sum payment to designated beneficiaries upon the insured persons death, offering financial protection and security for loved ones.
Critical Illness Cover
Critical Illness cover is a type of insurance policy that provides a lump sum payment if the policy holder is diagnosed with a specified illness. It helps to cover the financial impact of the illness, such as medical expenses, or loss of income, allowing the individual to focus on recovery without the added worry on their finances.
Income Protection
Income protection cover is an insurance policy that provides a regular income if the policyholder is unable to work due to illness and or injury. It helps to replace a proportion of their lost income, ensuring financial stability during the period of incapacity.
Family Income
Family Income cover is an insurance policy that provides a regular income to the policyholder’s family or dependents in the event of their death. It helps to replace the lost income and support the family financially, ensuring their financial security in the absence of the policyholder.
GENERAL INSURANCE
Homes & Content Insurance
A type of insurance that protects your personal belongings and possessions within and or outside your home. It covers the cost of repairing or replacing items in case of damage, theft, or loss. This insurance provides financial security and peace of mind, ensuring that your valuables are protected and can be replaced if necessary.
Landlords Insurance
This insurance is specifically designed for property owners who rent out their properties. It provides protection for the property itself, as well as rental income, against risk such as damage, theft, or liability claims. This insurance helps landlords safeguard their investment and provides financial Security in case of unforeseen events or accidents related to the rental property.
MORTGAGE CALCULATOR
Generic on-site calculators designed by high-street lenders will only ask minimal information and could interpret your income and expenditure differently from how the lender would if you are sitting in front of them in a meeting.
Do not start your journey with bad information. The best mortgage calculator you can get is a conversation with Ross and James from Howzit Mortgages who understands all aspects of affordability and product criteria.
