• First Time Buyers
• 100% + mortgages
• Home movers
• Re-mortgages
• Self Certification mortgages
• Adverse / Subprime mortgages
• Self Build
• Right to Buy

• Offset Mortgages
• Flexible Mortgages
• Student Mortgages
• Buy to let mortgages
• Commercial mortgages
• Mortgages for self employed
• Non status mortgages
• Status mortgages

AIT Financial Solutions have access to exclusive packages through numerous different lenders at any given time.

House Purchase

First Time Buyer

The UK are a nation of homeowners and we all have to start somewhere. At AIT Financial Solutions, we will help source the mortgage, arrange the legal service for you and arrange any surveys required to be carried out.

Typically first time buyers will have to provide a 5% deposit for the purchase of their first property. If you do not have a deposit do not worry, there are lenders who will give you 100% of the purchase price and lenders who will even give you up to 125% of the valuation of the property and therefore no deposit is required on your behalf.

Buying your first house or moving home can be a very daunting experience. Even those who have moved home many times before find the whole process can be very complicated and confusing.

With AIT it's never been easier to own your home. We can guide you through the process explaining exactly what happens at each stage and in a language you understand. We can help you in dealing with an estate agent, provide an experienced solicitor and will help you through every step to completion via our experienced processing team.

We also have mortgage products for people who may not be able to prove their income.

Right To Buy

Buying your council house is a sound and sensible investment. Look at the advantages:

• No deposit to find
• Instant equity in your home
• Borrow extra for home improvements or debt consolidation
• You already know your neighbours!!

We can also arrange Right To Buy mortgages if you have had previous credit problems, or have difficulty proving your income.

Buy To Let

BuyingBuying a house to rent out can be an attractive proposition. In today's property market many people are attracted by the potential for capital growth in the value of properties, whilst earning a monthly income.

If you are interested in becoming a landlord, wish to raise finance on an existing investment property, or wish to rent out your current home in order to purchase a new one, we can offer the following benefits:

• Adverse Credit Considered
• No proof of income required
• Mortgages up to 90% of the property value
• Lending based on achievable rental income.

Self certification

Self certification is where people have sufficient income to afford a choice of mortgages but can’t prove some or all there declared earnings. Applicants must certify their declared annual income level.

The key feature of self certification mortgages is that the borrower does not have to give the lender proof of income, you just declare your earnings and the lender may accept this. Self certified mortgages are designed to cater for people who are self employed and also those who maybe employees with unpredictable income, for example those in seasonal jobs, for people working on succession of short term contract, sales people getting a high proportion of their income through commission would also be considered.

Re-mortgage

Why Re-mortgage?
You can raise cash for any purpose and don't have to provide estimates or be restricted by lenders conditions. Credit card interest rate is typically 18% APR. Personal loans, 9%. Mortgage interest rates are around 5.5%. By re-mortgaging you can drastically reduce your monthly outgoings.

Secured home improvement loans are around 13%. By re-mortgaging you can save money and you don't have to wait for a cooling off period for your money to be released.

Do I Have To Raise Extra Money?
No, you can re-mortgage simply to save money on a month - to - month basis. If you're currently paying the standard variable rate, we have fixed, discounted and flexible rates to suit your pocket.

I Don't Have a Great Track Record
Don't worry. Even if you've been refused credit elsewhere, we can still consider your application. Whether you have defaults, CCJ's, previous bankruptcies or repossessions, or simply can't prove enough income for traditional lenders, we have a range of high street & specialist lenders who can help.

In times gone by the standard practice was to take out a mortgage with a lender and then you remain with that lender through out the term of the mortgage. However in todays competitive market the consumer has the freedom to switch lenders and instruct new lenders to take on their mortgage. Re-mortgages can be completed reasonably easily and quickly. The costs may be relatively small however the savings can be excellent. What this means is more money in your pocket and that you are no longer tied into one company at the same rate. We always remind our customers that it is important to think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Sub Prime / Adverse Mortgages

It may be that you have experience financial difficulties in the past and therefore you may feel that this would mean you are unable to secure a mortgage. However this is no longer the case with research shown that at least one in four people have experienced problems in getting a mortgage, many through no fault of their own. At AIT Financial Solutions we believe that a customer should not be penalised for credit problems that they have had in the past and therefore we have a wide range of lenders within the Sub Prime / Adverse market that will provide you with a mortgage.

We can provide an individual solution for individual clients even if they have had the following problems :-

Debt consolidation, county court judgments or defaults, mortgage or rent arrears, poor credit rating, no proof of income, self employed, short employment history, an individual voluntary arrangement, or even bankruptcy.

Click here for information regarding sub-prime mortgages

Commercial Mortgages

At AIT Financial Solutions we are able to provide our customers with commercial mortgages in relation to most business enterprises.