Mortgages
 Sandham, Davies & Jones Ltd has transacted mortgages since the company was first established. We have a wealth of experience in everything from residential mortgages to equity release to commercial mortgages. Because we are independent financial advisers and use specially written software that accesses all UK lenders, clients can be certain they will always receive a good deal.
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Residential Mortgages
There are many types of residential mortgage. The following categories cover those available from most mainstream lenders:
 Variable Rate / Variable Rate discount - Tracker
- Fixed Rate
- Capped
Each of the above may be arranged on a repayment or interest only basis. Opting for a repayment mortgage means there is never a danger of any shortfall since both the interest and capital is being repaid over the duration of the loan. Interest only mortgages include categories such as endowment, ISA, and retirement mortgages.
Adverse Credit Mortgages
Getting a mortgage with bad credit doesn’t have to be difficult. If you have had poor credit problems in the past – whether it be CCJ’s, defaults, arrears, an IVA, or even previous bankruptcy – our vast experience can get the deal that suits you.
Having a bad credit history has traditionally meant that it was very difficult, if not impossible, to get mortgage finance from high street mortgage lenders. An adverse credit mortgage is a product specifically designed to allow people with a bad credit history to get the mortgage finance that they need.
If you have a poor credit history, whether you are looking to purchase your first home or remortgage your existing property, we can help you get a competitive poor credit mortgage deal. To find our more or get a quick, no obligation quote, contact us now.
Buy-to-Let Mortgage
 This type of mortgage is used by individuals who wish to purchase a property and then let it back out. Deposits required vary from 13% of the purchase price upwards. Each lender will have its own view as to the level of deposit and rental income required. Such mortgages may be established on a repayment or interest only basis.
Commercial Mortgages
A commercial mortgage (or business mortgage) is simply a loan secured against a property used for business purposes. It provides a flexible and affordable solution that gives you access to capital and is normally considered the best way to finance the purchase of buildings or land for business purposes.
Commercial mortgages can be used for a variety of different ways; the most popular of which is the purchase of a business premises, whether purchasing an existing business, or starting a new one. You can also acquire a business mortgage to expand an existing business.
If you are looking to make an investment into a commercial or residential venture or project, you can still acquire a business mortgage or loan secured against property or land. Business mortgages can also be used for commercial or residential property development projects.
Proof of income is not required and credit problems are accepted too. Whatever your business or status, we can help.
We provide long term finance on properties including:
- Farms
- Pubs, restaurants
- Shops, shops with living accommodation
- Hotels, guest houses, holiday lets
- Industrial units, factories, offices, warehouses
This can be used for any purpose by the applicant including:
- New business start-ups
- Business turnaround solutions
- Short term finance and debt consolidation
- Working capital raising
- Property improvement
- Business expansion
Retirement Mortgages
This type of mortgage is designed for pensioners with a good level of income who wish to release a lump sum from surplus value in their home, but who do not like the way in which interest is compounded under equity release. Such mortgages are established on an “interest only” basis. Money is released, interest costs are paid monthly, and the debt is always held at the original level right through to death.
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