First Time Buyers

We understand that buying your first property can be an exciting but daunting time. At Horizon Financial Solutions we aim not only to provide you with the best possible mortgage advice, but also to provide you with guidance and support throughout your purchase, as our team has experience in all areas of buying and selling property.

We are aware that for most first time buyers, it is important to make the most of any capital that you may have and, together with your income, we will help you find a mortgage structure taking into account your requirements and existing commitments.

First time buyers, in particular, can be blinded by the seemingly endless options available to them from mortgage providers. We will reduce these options to just a few and will then advise you on the most suitable option for you.

Moving Home

This can be a very stressful time, particularly if you are selling and buying a property. Whether or not your last property purchase was hard work, Horizon Financial Solutions certainly aims to prevent it this time!

At Horizon Financial Solutions we aim to relieve as much stress as we are able by advising you on the most suitable mortgage for your needs, placing applications as soon as we have the required information from you and having an administration department that will track your case until the mortgage offer is issued.

Re-Mortgage

Re-mortgages constitute approximately one third of our business. Whether you want to re-mortgage to raise capital or simply to switch to a more competitive rate, we can provide advice and assistance. We value these clients as much as those who are obtaining residential mortgages and we guarantee that you will receive the same level of service.

The re-mortgage market is very competitive and many lenders offer incentives for new re-mortgage customers. Incentives can include free valuation and free legal service. At Horizon Financial Solutions we will match your mortgage requirements with your preferred incentives to find the most suitable overall mortgage for you.

Self Employed

The number of self-employed people has increased significantly over the last few years. Due to this fact lenders have had to reassess their criteria towards self-employed applicants.

Most mainstream lenders still require self-employed applicants to have three years accounts. However at Horizon Financial Solutions we are able to place mortgages with just 2 years accounts or alternatively with an accountants’ income reference; all available at very competitive rates. We can also do non-status mortgages up to 95% Loan to Value.

The overall cost for comparison is 5.54% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Buy to Let

It is as important to obtain the most suitable advice on which mortgage you should apply for on a rental investment, as it would be if you were buying a property to live in. At Horizon Financial Solutions we recognise this fact and our investment buyer clients enjoy our dedication and service to the same extent as residential buyers.

When choosing an investment property it is wise to take advice from a good local estate agent. You can visit www.arla.co.uk for further advise on becoming a landlord. By choosing to use Horizon Financial Solutions you will be putting the financial side of your investment in safe and capable hands.

Adverse Credit

In these days of easily available credit and loans, it is not uncommon for people to fall behind or miss payments, be it a one-off or regularly. Many people are not aware of their current credit score and being declined for a mortgage due to a low score is usually unexpected.

If you do have adverse credit, our brokers at Horizon Financial Solutions will use their knowledge of lenders’ requirements to place your application with the most suitable lender first time.

The overall cost for comparison is 5.72% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Commercial Loans

Horizon offer a wide range of mortgages products tailored to finance certain types of property, for example shops, warehouses, offices and nursing homes, large buy-to-lets and land. Whether you are experienced within the world of commercial property or a newcomer, we are able to offer these variety of options and rates from many specialist lending sources including the leading clearing banks.

As with all of our clients, commercial buyers benefit from our in depth knowledge, dedication and full range of services.

Click here to contact us today and find out more about how Horizon Financial Solutions can help you.