A mortgage is a loan secured against your property that enables you to purchase your home. The lender charges you interest in return for lending you the money. Over the term of the mortgage you will need to pay the lender interest and repay the amount you originally borrowed fully before the mortgage ends. The mortgage lender has the option of taking possession of the property and selling it if the mortgage repayments are not made. Your home may be repossessed if you do not keep up repayments on your mortgage.

What are CiK Finance's fees?

CiK Finance's mortgage advice fee ranges from £250 to £1,500, dependent on many factors. The fee will always be clearly confirmed before any work is carried out. The fee is usually payable on receipt of a mortgage offer. In some cases, a fee or part of the fee may be payable in advance, and this will be fully explained and agreed with you in writing beforehand.

How much can I borrow for a mortgage?

Every lender takes a different approach to how much you can borrow. The amount you are eligible to borrow depends on the cost of the property you wish to purchase, the size of your deposit, your income, and your affordability taking into account monthly financial commitments and future commitments. CiK Finance offers a mortgage calculator to give you an indication of your monthly repayments. This is a guide only and should not be relied on as a recommendation. You should make an appointment to receive mortgage advice based on your needs and circumstances.

How much deposit do I need for a mortgage?

Depending on your circumstances, mortgages are generally available from 5% deposit. The larger the deposit you can afford, the more attractive interest rate you may be able to access. CiK Finance can help you understand your options regardless of your deposit size.

What is a remortgage?

A remortgage is swapping the mortgage on your current property for another mortgage with a different lender. You may consider this if your existing mortgage deal has expired and you want a more competitive deal, or if your circumstances have changed and you want to borrow more. Remortgaging does not involve moving home. Your home may be repossessed if you do not keep up repayments on your mortgage.

How do I prove my income for a mortgage application?

If employed, you will need at least your last 3 months payslips and sometimes your P60. If self-employed, you can use SA302s from HMRC or at least 2 years of trading accounts. You will also need to provide bank statements for the last 3 months. If you have other income such as tax credits, written evidence from the provider will be required. CiK Finance has experience with complex income situations including company directors, portfolio landlords and sports professionals.

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