First class service! Straight forward to deal with, answered all questions quickly and a speedy turn around to mortgage offer being issued. I cannot recommend AJMS and the Team highly enough. I would…
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would…
AJMS was extremely helpful in arranging my remortgage. His excellent knowledge allows him to provide a fast, efficient and professional service. Previously I have tried to arrange these myself which …
Highly recommended explained everything well, went to and from the lender so many times making sure all was agreed before spending my money on a survey 5 star amazing service!
Thank you AJMS for helping us with our mortgage! We really appreciate your patience and for always being at the end of the phone to answer any questions no matter how big or small!
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would definitely recommend him to friends and family!
“I received protection advice from Brian at AJMS and we proceeded to arrange various insurances for myself & my partner. I am very happy with the service I received and the policy I was recommended, I wouldn’t hesitate to recommend Brian’s services to anyone looking to arrange their personal insurance. “
AJMS has been our mortgage/financial advisor for many years now. His knowledge and expertise is second to none and I can’t recommend his services enough!
Alexander James Mortgage Services - The Best Woking Mortgage Brokers
AJMS is extremely knowledgeable, professional, supportive and well versed in many financial services, including but not limited to Mortgages. I would highly recommend you engage with him and his company to assist with your financial needs and mortgage application. A one stop shop in financial services with friendly advice and exceptional service delivery. Happy Customer !!
Alexander James Mortgage Services - Woking Mortgage Brokers
AJMS has been very helpful and knowledgeable helping me out get the mortgage to get my first house. His knowledge does not only limit on mortgage but broader financial areas. I was a happy customer and would definitely ask him for your help if I will need to get more properties with mortgages or advice on financial planning.
I used AJMS over the course of the years for my property purchases. In all my dealings with him he has always given me impartial advice and in my opinion found the best rates on the market. I would recommend AJMS as an honest and genuine financial adviser.
We were recommended to use the services of Alexander James Mortgage Services by our then financial adviser.
In retrospect, this was an excellent recommendation as AJMS provided an outstanding service.
We were so impressed with the service that AJMS provided that when our youngest daughter decided to purchase a flat, we again secured the services of AJMS.
Who provided a first class service in helping her obtain a very competitive mortgage and appropriate life, critical illness, contents and health insurance cover.
And in the future will help her to set up a private pension fund.
So to anyone looking for sound, sensible and straightforward financial advice, we all recommend Alexander James Mortgage Services.”
Are you considering buying a new build home? Then you’ll want to do your research: from finding out about the schemes that could help you get on to the property ladder to weighing up the pros and cons. Here’s what to consider….
What is a new build?
A new build property is one that is brand new and hasn’t been lived in. And if you buy your new build home ‘off-plan’ – which means buying before it has been built – you may be able to choose certain aspects of the design too.
Help to buy schemes
If you want to buy a new build home, the good news is there are three main schemes available to help you secure your dream home. These are:
Help to Buy Equity Loan
This government scheme is designed to help people buy a new build home and get on to the property ladder. When you buy through the scheme, the Government will loan you up to 20% of the property’s value – or up to 40% if the property is in London. This is known as an equity loan. You need a minimum deposit of 5% and you’ll take out a mortgage for the remaining amount. The scheme is available to first time buyers and regional price caps apply on the value of property you can purchase, up to a maximum of £600,000 in London.*
Deposit Unlock is a brand-new scheme that has been devised in collaboration with lenders and the housebuilding industry. It’s designed to enable first-time buyers and existing homeowners to purchase a new build home from participating home builders with just a 5% deposit.
With Shared Ownership you buy a share of a property and pay rent on the rest. The share you can buy is usually between 25% and 75%, however, you can buy a 10% share of some homes. It could be a good option if you have a restricted budget: because you’re only buying a percentage of a property, you’ll need a smaller mortgage and deposit. You can buy a bigger share of your home after moving in. This is called staircasing.
Why should you invest in a new build?
Lots of factors make buying a new build home very appealing.
Buying a new build home? Here’s what to watch out for
However, when you’re buying a new build home there are some things to look out for.
If you’re considering buying a new build home please do not hesitate to get in touch with us to discuss all your possible options, we’re always here to help. With mortgage brokers in Woking and Camberley, you are never too far from mortgage advice.