Craig Bryce Mortgage Broker

Getting a mortgage with adverse credit can be challenging, but it's not impossible. Here are some tips that could help:

Be upfront about your credit issues from the start. Explain the circumstances and show lenders you've been working to improve your credit score. Having a good reason for past problems can work in your favour.

Save as big a deposit as possible - aim for 15-20% if you can. A larger deposit signals you're lower risk and can open up more options.

Check your credit report and fix any errors before applying. Lenders will scrutinise your file closely, so make sure it's accurate.

Consider getting a mortgage through a broker who specialises in adverse credit cases. They'll know which lenders may accept your application.

Be prepared to pay higher interest rates initially as you'll be seen as higher risk. But you can remortgage down the line once your credit improves.

It may take longer, but getting on the property ladder is achievable even with credit blemishes. Being patient, budgeting wisely and repairing your credit profile gradually will put you in a stronger position.

Here are some helpful tips for self-employed clients regarding mortgage applications, shared with a humorous but professional tone:

Being self-employed doesn't have to be a nightmare when applying for a mortgage - just follow these simple tips! First up, hold onto those tax returns like they're your favourite childhood teddy bear. Lenders love seeing a solid track record of income over the past few years.

Next, be prepared to share every financial detail short of what you had for breakfast. Bank statements, business accounts, that mysterious petty cash tin under your desk...lenders want to see it all to prove you're raking in the dough steadily.

Don't forget about that motley crew of forms - SA302s are your new best mates. These little beauties show lenders how much profit you're pocketing after expenses. Prepare for some "terrific True Tats" when filling them out.

Finally, a solid deposit never hurt anyone. If you've been squirrelling away those nuts, a bigger down payment could make you look financially responsible in the lender's eyes. Just don't tell them you blew the rest at the local pub!

Top Tips for First Time Buyers

Buying your first home is bloomin' exciting, but it can feel like a minefield! Fear not, we've got some cracking tips to guide you through the process:

1. Get your finances in order. Lenders love nothing more than a responsible spender with a decent credit score. Cut back on those weekly Nando's binges and show them you're serious.

2. Research, research, research. Scour the internet, read property magazines, and attend open houses. Knowing the market inside out will help you spot a good deal when you see one.

3. Location, location, location. Sure, that city centre flat looks swanky, but have you considered the commute to work or the lack of outdoor space? Think about your lifestyle and what's important to you.

4. Be prepared to compromise. Your dream home might be a tad out of reach, but don't get disheartened. Start with something more modest, and you can always trade up later.

5. Enlist the professionals. A good mortgage broker and solicitor can be worth their weight in gold. They'll navigate the tricky bits and ensure you don't end up with a lemon.

Remember, buying your first home is a marathon, not a sprint. Stay patient, stay focused, and most importantly, have fun with the process!

🏠 Wondering why you should use a mortgage broker? Here are just a few reasons why working with me can make your home buying journey smoother and more successful:

✅ Expertise: As an experienced mortgage broker I understand the intricacies of the mortgage market inside out. I'll leverage my knowledge and expertise to find you the best mortgage deal tailored to your unique financial situation and goals.

✅ Access to Multiple Lenders: As a broker, I have access to a wide network of lenders, including high street banks, building societies, and specialist lenders. This means I can compare a variety of mortgage products to ensure you get the most competitive rates and terms available.

✅ Personalized Service: I understand that every client is different, which is why I take the time to listen to your needs and preferences. Whether you're a first-time buyer, a seasoned homeowner, or a property investor, I'll provide personalized advice and guidance every step of the way.

✅ Simplified Process: Navigating the mortgage process can be complex and time-consuming. I will handle all the paperwork, negotiations, and communications with lenders on your behalf, saving you valuable time and stress.

✅ Continued Support: My commitment to you doesn't end once your mortgage is secured. I'll be here to support you throughout your homeownership journey, offering guidance on refinancing, remortgaging, and any other mortgage-related questions you may have.

Ready to experience the benefits of working with a mortgage broker? Contact me today to schedule a consultation and let us help you find the perfect mortgage solution for your needs! 📞💼

🏡💡

[email protected]
01225 531 888

📈 Worried about potential interest rate rises? You're not alone! But fear not, I am here to help you navigate through these uncertainties and find the best remortgage solution for your needs. Here's why remortgaging now could provide you with peace of mind:

✅ Explore Your Options: Our expert advisors will carefully assess your financial situation and guide you through a range of remortgage options. Whether you're looking for a shorter term or lower monthly payments, I'll find the perfect solution tailored to your needs.

✅ Plan for the Future: Remortgaging isn't just about securing a better rate – it's also an opportunity to plan for your future financial goals. Whether you want to release equity for home improvements or consolidate debts, I'll help you make informed decisions that align with your long-term objectives.

Don't let the fear of interest rate rises hold you back from exploring your remortgage options. Contact me today to schedule a consultation with one of our experienced advisors and take the first step towards financial peace of mind! 🏡💼

📈💡

[email protected]
01225 531 888

Are you a first-time buyer feeling overwhelmed by the homebuying process? You're not alone! I specialize in helping first-time buyers navigate the journey to homeownership with confidence. From understanding mortgage options to budgeting tips, I've got you covered. Reach out today – your dream home awaits!

[email protected]
01225 531 888

Planning to buy your first home? Start by getting pre-approved for a mortgage! Not only does it give you a clear picture of your budget, but it also makes you a more competitive buyer in a competitive market. Contact me today to get started on your pre-approval journey!

[email protected]
01225 531 888

Buying your first home can be overwhelming, but it doesn't have to be! I am ready to guide you through the process from start to finish. Let's make your dream home a reality.

Thinking about moving home? Let me take the stress out of finding the right mortgage for your new property. I will handle the paperwork so you can focus on planning your move.

01225 531 888
[email protected]

Self-employed and struggling to secure a mortgage? Our specialists understand the unique challenges faced by entrepreneurs and can help you find mortgage solutions tailored to your situation.

Get in contact today
01225 531 888
[email protected]

This is a great move from Accord, please do get in touch IF you have any questions or I can help

YBS launches £5,000 deposit mortgage up to 99% LTV The five-year fixed rate is available at 5.99% on a maximum property value of £500,000.

This is amazing news for first time buyers , if I can help or you have any questions please do get in touch

https://www.ladbible.com/news/uk-news/first-time-buyer-mortgage-yorkshire-building-society-475912-20240326?fbclid=IwAR1xanbI6-OBnJ31HnknAa43oMRMEX08-scsZvKWDWpWQRSgIZH6-ASn7yc_aem_AR_6nsVf40WlGF7Tyb6nBxmxVsXS2UUgYu5NpzM4OOAuAo4pVen2RAo9xB-RP4c1Jd0

First-time buyers only need £5,000 deposit to buy house with new mortgage It could make all the difference

Hi all, I'm Craig, a fully independent mortgage advisor based here in the south west. 🏡

If you need to review your mortgage or if you are looking for a new mortgage, then I can help. I work to the highest standard and will always take the time to hunt for the best and cheapest option for my clients.

I cover the following:
Residential Mortgages and Remortgages.
Buy to Let mortgages.
Holiday Let Mortgages.
HMO Mortgages
Life Insurance / Mortgage Protection Insurance.
And more.

Feel free to drop me a message if you would like to discuss anything mortgage-related. 🙂

Craig Bryce
Direct Dial: 01225 531 888
https://www.hhhmortgages.com/mortgage-broker/bath

🌟 We're thrilled to receive such a glowing review from one of our valued customers! ⭐ Thank you so much for taking the time to share your experience with us. We're delighted to hear that you had a fantastic experience, If we can help you or anyone you know please do get in touch

Google review of House and Holiday Home Mortgages Bath by Matt Clark ★★★★★ "My experience was absolutely first class from the very start. It was an absolute pleasure working with Craig. Brilliant attention to detail and extremely helpful. Great efforts and hard work was greatly received. Also after the mortgage was set up there was brilliant follow up, maki...

Concerned about credit issues impacting your mortgage application? Don't let past setbacks hold you back. I work with a wide range of lenders to find options that suit your circumstances.

How much does it cost to chat to me about a mortgage?

I will cover all the costs of our first 2 meetings which can be face 2 face, over the phone or via Skype or a Go-to meeting.

Step 1️⃣

During the first meeting we establish
Your earnings✅
Expenses✅
Credit commitments✅
Disposable income✅
Credit score✅
Budget✅
Borrowing limit✅
Preferences on length of mortgage✅

After our meeting I will check our extensive panel of lenders.
With access to 1000's of mortgage products we will identify the most suitable mortgage deal.

We do this by matching your situation to the lenders criteria, giving you the best chance of success with your mortgage application.

Step 2️⃣

In the second meeting I will
Show you my recommendation✅
Explain the benefits✅
Discuss true costs✅
Explain additional benefits*✅
Recommend solicitors if required✅
Provide a Mortgage Assessment Certificate✅

Step 3️⃣

At this point if you decide to proceed with your application we really kick into gear🤜🤛

Check and prepare;
Pay slips👍
Bank statements👍
Proof of ID👍
Proof of Address👍
Proof of deposit👍
Proof of benefits if required👍

When we have all this we can get you your
Agreement/Decision in Principal😎

This is followed with your full application. 👌

We will offer you updates as regularly as you require them, via text, WhatsApp, email or phone, whichever you prefer.

We will also recommend the necessary life insurance, cancer cover and wage replacement insurance👍

Once you gets the keys for your home we will book you in for a review 6 months before your deal ends to ensure you never pay more than you have to👌

We ONLY charge a fee at stage 3, after we have done all the legwork and research to match you up with the most suitable lender for you😎

Our fee ranges between £199 - £495 depending on each individual case. Our most common fee is £250.

If you any any questions please feel free to get in touch🤗

Your home may be at risk if you fail to keep up regular repayments on your mortgage.

Klarna….

Should you avoid when looking to apply for a mortgage?

100% YES!!!

When looking for a mortgage, you’re likely looking to borrow a substantial amount of money.

You buy a pair of trainers for £150.

You’re given the option of 3 interest free payments of £50.

What’s the harm in doing that?

If it’s a one off then you’ll probably be alright.

If it’s a regular occurrence or there are a number of these on the go at once, there’s potential for a lender to question it.

Think about it from a lenders point of view.

They perform a credit check when you apply for a mortgage.

They see Klarna littered throughout your credit file - yes Klarna pops up on credit files now!

They could think, that you can’t afford to pay for these goods in one go.

If you can’t afford £150 in one go, how will you afford to pay a much higher mortgage every month?

I’m sure you can afford the £150 and just took the interest free payments for convenience.

Don’t get caught out by this when looking for a mortgage.

It’s all about painting a picture for a lender as to why they should agree to giving you a mortgage.

Have you used Klarna in the past?

If you are looking to move home and want some helpful friends mortgage advice please do get in touch

[email protected]
01225 531 888

Looking to remortgage? Whether it's to secure a better rate or release equity, I’ve got you covered. Let's explore your options together.

The 5 star reviews keep on coming, I am so lucky to work with some fantastic clients and its always great to wake up to another 5 star review.

If you are looking to move home or remortgaging please do get in touch id love to help

[email protected]
01225 531 888

First-time buyer? Don't let confusion stand in the way of homeownership. I specialise in assisting first-time buyers, making the journey to owning your own home smooth and stress-free.

It is always fantastic to receive reviews from clients and they don't come much better than this, remember its not only mortgages we do, If I can help with any queries on Insurance please do get in touch

[email protected]
01225 531 888

Self-employed and struggling to secure a mortgage? I specialise in helping self-employed individuals find suitable mortgage solutions. Say goodbye to the hurdles and hello to homeownership.

Navigating the mortgage market can be overwhelming, but it doesn't have to be! I will simplify the process, ensuring you secure the best deal possible. Get in touch today for personalized advice.

Ready to make your dream home a reality? As your trusted mortgage broker, I am here to guide you every step of the way. Let's find the perfect mortgage tailored to your needs.

We are getting lots of enquiries at the moment from first time landlords or people just wanting to know more about how a mortgage on a buy to let works here are 10 tips for first time landlords

🏠 Know Your Numbers: Treat your buy-to-let property as a business. Crunch those numbers—calculate potential rental income, expenses, and taxes to ensure profitability.

💡 Location is King: Choose your property wisely. Location matters! Research the rental market and opt for areas with high demand and good rental yields

📝 Read the Fine Print: Understand the legalities. From tenancy agreements to landlord responsibilities, knowing the rules will save you headaches later.

🔨 Maintenance Matters: Regular upkeep is your secret weapon. Maintain the property, address issues promptly, and keep it tenant-ready for happy, long-term renters.

🧾 Budget Buffer: Expect the unexpected. Set aside a financial safety net for repairs, vacancies, or sudden expenses. It's like an insurance policy for your investment.

🔍 Tenant Screening 101: Screen tenants rigorously. A thorough vetting process can save you from potential headaches down the road. Credit checks, references, and interviews matter.

📅 Stay on Schedule: Be punctual with payments. Late mortgage payments can dent your credit score and impact your investment plans.

📈 Keep an Eye on the Market: Stay updated on market trends. Knowing when to adjust rent or consider property improvements keeps you ahead of the game.

🤝 Build Relationships: Be a good landlord. A positive relationship with your tenants can lead to longer tenancies and a smoother rental experience.

📋 Review and Adapt: Regularly assess your investment strategy. As market conditions change, be flexible and willing to adapt your approach to maximize returns.

Remember, being a successful buy-to-let landlord requires a blend of business acumen, property management skills, and a dash of empathy. With the right approach, it can be a rewarding investment journey! 🌟🔑

As always if I can help with anything please do get in touch.
Your home be repossessed if you do not keep up with mortgage payments
[email protected]
01225 531 888

Are you looking to buy your first home or perhaps move home in 2024 here are 10 tips from us

1. Budget Smarter, Not Harder: Plan beyond the mortgage payment. Consider insurance, taxes, and, of course, your secret coffee stash budget!

2. Credit Check-Up: Keep that credit score shining like a diamond. It's your ticket to sweet mortgage deals.

3. Pre-Approval Power: Get pre-approved! It's like having a golden ticket in the house-hunting chocolate factory.

4. Down Payment Dreams: Start the 'coin collection.' Every coin counts toward that magical down payment number.

5. Window Shopping, Literally: Visit homes even if you're not buying yet. It's like practicing for the homeownership Olympics.

6. Surveys, Not Guesswork: Home Surveys is your Hogwarts letter to discovering any hidden charms (or curses) in your potential home.

7. Rate Race Reality: Keep an eye on rates but remember, chasing them is like chasing fireflies. Sometimes they're too fast to catch.

8. Piggy Bank Preparedness: Create an emergency fund, because life loves surprises—just not the financial kind!

9. Patience Pays Off: The house hunt might feel like a never-ending quest, but hang in there! Your dream home is waving from the horizon.

10. Mortgage Sidekick: Consider a mortgage broker. They're like financial superheroes, ready to save the day (and your budget).

Navigating the mortgage maze? Follow these tips and emerge as the ultimate homeowner champion! 🏆🔑

As always if I can help with anything please do get in touch.
Your home be repossessed if you do not keep up with mortgage payments
[email protected]
01225 531 888

If you are looking for Mortgage Advice in 2024 here are some reasons we feel we should be your point of call

1. Mortgage Magic, No Hogwarts Required: We are the wizards in the Muggle world. We help you navigate the financial spells of homeownership without needing a wand (or an owl delivery).

2. We Speak 'Banker': Ever tried deciphering a banker's cryptic language? We are fluent in 'Bankerese' and can translate those mortgage terms into plain English. No secret handshakes needed!

3. Swipe Left on Mortgage Stress: Say goodbye to the stress of endless bank appointments. Let the me do the nitty-gritty while you perfect your coffee order.

4. Free Time is the New Rich: Instead of drowning in a sea of mortgage papers, reclaim your free time. Let me be the hero while you binge-watch your favourite series guilt-free.

5. DIY vs. 'Don't Insult Yourself': DIY home renovation? Sure. DIY mortgage hunting? That's like trying to build a spaceship with bubblegum and shoelaces. Let the pros handle it!

6. Personalized Mortgage Matchmaking: We are the Cupid of mortgages—matching you with 'the one' (mortgage, that is) based on your needs and financial compatibility.

7. Expertise Without the Extra Tuition: Why learn mortgage jargon when you can hire us? It's like skipping the boring lecture and going straight to the fun part—homeownership!

8. Zero Calculator Headaches: You won't need a Ph.D. in mathematics to figure out mortgage rates. Let me crunch the numbers while you solve easier equations, like 'pizza divided by friends.'

9.Happiness is... Mortgage Clarity: Ever tried deciphering a mortgage agreement? It's like reading hieroglyphs without a Rosetta Stone. I can bring clarity faster than Google Translate.

10. Because Adulting is Hard Enough: Let's face it—adulting comes with its challenges. I will make adulting a tad easier, like having a cheat code for life.

Remember, using a mortgage broker is like having a real-life financial sidekick. They'll make the mortgage journey feel less like a rollercoaster and more like a smooth ride in a luxury car. 🏠💼

As always if I can help with anything please do get in touch.
Your home be repossessed if you do not keep up with mortgage payments
[email protected]
01225 531 888

Life Insurance is so important and very often over looked here are my top 10 reasons why you should have life insurance for 2024

1. Zombie Apocalypse Preparation: Because when the undead rise, you want your loved ones financially protected, not fighting off brain-hungry creatures AND financial woes.

2. Future Psychic You: Life insurance is like sending a financial hug from the future. It's your way of saying, "I got you, even if I can't predict the lottery numbers."

3. Boss-Level Adulting: You know you've officially entered adulting territory when you have life insurance. It's like unlocking a new achievement in the game of life.

4. Protecting Your Legacy (and Your Netflix Passwords): Ensure your loved ones inherit more than just your vintage collection of '90s CDs. Your life insurance can pass on a legacy, along with the important stuff, like streaming passwords.

5. No Financial Ghosting: Don't let your bills ghost your loved ones. Life insurance helps cover debts, so your loved ones won't be haunted by financial burdens.

6. DIY Gone Wrong Insurance: You may be a DIY pro, but life insurance covers those "oops" moments. You're covered even if your weekend DIY project turns into a Pinterest fail.

7. Taco Tuesday & Beyond: Even if you're gone, life insurance ensures Taco Tuesday will continue. Let's be honest; that's a legacy worth protecting.

8. Financial Safety Net: Life insurance is like the ultimate safety net. You'll feel better knowing that if you where to die your loved ones won't hit rock bottom.

9. Protecting Your Secret Chocolate Stash: Life insurance helps keep life's little secrets safe. Your loved ones might discover your secret candy stash, but at least they won't find financial surprises.

10. Peace of Mind... and Pizza: Life insurance equals peace of mind. It's like having pizza in the fridge—knowing it's there makes everything better.

Remember, life insurance isn't just a serious investment; it's your ticket to adding a bit of fun and protection to life's unpredictable rollercoaster! 🎢💸

As always if I can help with anything please do get in touch.
[email protected]
01225 531 888

If you are looking to get on the property ladder in 2024 here are 10 tips for first time buyers:

🏠 Buying your first home? Remember, "budget" is not a bad word—it's your financial GPS on this rollercoaster ride called homeownership.

🤔 Choosing between a dream house and a fixer-upper? Just remember, a little paint can cover a multitude of avocado-themed sins.

💰 Down payments are like souvenirs from your adulthood adventures. Start collecting those coins, and you'll be unlocking the door to your dream home in no time!

🔍 Home inspections: think of them as treasure hunts, but instead of gold, you're searching for leaky faucets and creaky floorboards.

💡 Mortgage rates are as unpredictable as the weather on a rollercoaster. Grab your umbrella and a financial advisor—because we're in for a wild ride!

🕵️‍♂️ Closing costs: the surprise ending in the homeownership story. Keep that savings cushion comfy—there might be a few plot twists!

🔧 DIY enthusiasts, listen up! Sometimes it's okay to call in the professionals. Duct tape fixes many things, but it doesn't make you a plumbing wizard.

🌟 Patience is the name of the game in the housing market. It's like trying to catch a specific Pokémon—keep your Pokéballs (and bids) ready!

🤝 Congratulations, homeowner! You're now part of the secret society where paint swatches are the secret code. Welcome to the exclusive 'Garden and Home Repairs' club!

🎉 Pop the bubbly, sign the papers, and celebrate your entrance into the homeowners' world! Just remember, owning a home is a mix of chaos and bliss—kind of like trying to herd cats. 🐱🏠

As always if I can help with anything please do get in touch.

Your home be repossessed if you do not keep up with mortgage payments

[email protected]
01225 531 888

🏠🎉 Planning to make 2024 the year you become a homeowner? 🌟🔑 As your trusted mortgage experts, we're here to turn your homeownership dreams into reality!

Are you considering buying your first home, upgrading, or investing in property this year? Let us guide you through the mortgage process! Our team specializes in tailoring financing solutions to fit your unique needs and goals.

Why choose us for your mortgage needs?
✅ Personalized Advice
✅ Competitive Rates
✅ Smooth Application Process
✅ Expert Guidance Every Step of the Way

Don't let your homeownership goals remain a dream! Take the first step towards owning your dream home in 2024. Reach out today for a consultation and start your journey toward homeownership! 🏡💼✨