Johnsons Mortgages

Mortgage Calculator

For an individual Mortgage appraisal, please fill in the form below and one of our team will be in touch with you shortly after submitting your enquiry. Tell us about your circumstances so we can check your eligibility. The more you tell us, the more tailored your results will be. 

First Time Buyers

The average age of a first-time buyer in the UK is now 36. Static wages and a historically rising property market has stretched budgets and deposits beyond the affordable. However we are still able to help clients get their first rung on the property ladder.

There are currently special government backed deals available which can seriously reduce the size of deposit you will need to put down. Our team at Johnsons have access to special expertise and these limited mortgage offerings enabling us to secure affordable mortgages for first time buyers.

Re-Mortgaging

Re-mortgaging can be advantageous especially in the current financial climate. Interest rates are currently at an all-time low but rates are forecast to rise so it is often wise to secure a new mortgage now. Our Brokers have access to both High street lenders and niche providers so you can get a mortgage through Johnsons and make your friends jealous.

Buy To Let

We have access to every UK buy-to-let lender many of which are only available to select brokers. We pride ourselves on our ability to find competitive Buy-To-Let mortgages for clients of any background, income or current homeowning status. Our expertise in this area is always growing and with the help of Johnsons Chartered Accountants, we are able to understand your situation in more depth and provide better solutions to your needs.

Interest Only Mortgages

Interest only mortgages have been something of a rarity with brokers and lenders concerned over the new regulations introduced after the financial crash. At Johnsons Mortgages we remain able to source specialist interest only mortgages along with part interest – part repayment mortgages. Our ability to understand your future income allows us more opportunity to secure the right mortgage product for you.

Credit Repair Mortgages

Understanding your financial situation is the backbone of any financial advisor. With our roots in finance and accounting, we provide expert advice on how to improve your credit rating, consolidate your borrowings reducing monthly outlays and costs. Due to our experience, we are often capable of discussing specific issues with a Lender directly and are capable of moving forward where other brokers could not.

Company Mortgages

With the recent tax changes, there is more interest in buying residential property via a limited company. At Johnsons Mortgages we are seeing this market maturing with more competition coming into the market and more products being developed. Our experience in tax advice allows us to find the best option for you and your company both for buying property in a company and transferring existing properties tax efficiently into a company. The nuances of profit, dividends and salaries are familiar to us and we work with your existing tax advice to ensure that we provide the best mortgage for your needs.

Holiday Let Mortgages

Holiday let mortgages are a specialised area. The paucity of lenders means getting the right advisor is key to securing good terms on a mortgage. At Johnsons we have experience of doing just that.

Commercial mortgages

The commercial mortgage market splits into owner occupied and investor owned property. As would be expected the type of property, whether a shop or office, is also key. Understanding these differences is important to ensure you receive the mortgage your business needs. We are able to source commercial mortgages from the whole of the market and ensure you are advised property. When it comes to business mortgages the differentiating factors are not LTV and price but the terms of default and repayment.

Mortgage Calculator

For an individual Mortgage appraisal, please fill in the form below and one of our team will be in touch with you shortly after submitting your enquiry. Tell us about your circumstances so we can check your eligibility. The more you tell us, the more tailored your results will be.