Exeter Mortgage Broker

Often, but from a much shorter list of lenders. Cob walls and thatched roofs are common across Devon and are treated as non standard construction, which means specialist underwriting, a more detailed valuation and usually a higher deposit. We search over 70 lenders to find the ones that will consider it, and specialist cases like this are a regular part of what we do. Because the deposit required is often higher, it is worth establishing what you could borrow before you commit to a survey.

Yes, though not on a standard buy to let product. Holiday let mortgages are assessed on projected seasonal income rather than a single monthly rent, and the lender list is far smaller. Coastal and Dartmoor properties can also carry restrictions on how many weeks a year they may be occupied, which some lenders will not accept.

It can. Exeter has a large student population and a correspondingly large number of houses in multiple occupation, particularly close to the university. An HMO needs a specific mortgage product rather than an ordinary one, and a property previously let that way may need checking even if you intend to live in it.

No. We work on a fee-free basis for every client in Exeter and across Devon, with the lender paying us on completion. That applies to straightforward purchases and to the more awkward cases equally, so a difficult property costs you no more in advice.