Signature Mortgages

Signature Mortgages is a professional mortgage and insurance brokerage located in St Asaph, North Wales, with clients throughout North Wales and the United Kingdom. We recognise that everyone has their own requirements and we work hard to offer outstanding personal service. We are not tied to one particular lender and have access to a whole of market panel when it comes to arranging mortgages and other home and property finance. Contact Signature Mortgages today for a free initial no obligation discussion for all your Mortgage and Protection need.

If you're a first time or inexperienced property buyer, you may find the following steps helpful when buying a home. If you choose Signature Mortgages we will be here to help you every step of the way. Step 1 - Find your ideal home. But visit at least twice before making an offer. Drive past at different times of day to identify things like parking problems or heavy traffic. Step 2 - Research similar properties in the area to make sure the price is right, and then make an offer through the Estate Agent.

Stepping onto the property ladder can sometimes be quite straightforward. That is if you are fortunate enough to have a large deposit, a regular substantial income and no previous credit issues. Unfortunately not all first time buyers are in this enviable position. Today, especially with the downturn in our economy, it can be a struggle for first time buyers to purchase their first dream home.

Also known as capital mortgages, repayment mortgages are the traditional means of paying for a property so that eventually it becomes fully yours as a result of the payments. The term of a repayment mortgage is typically 25 years and at the end of that period you would, if payments have been kept up, owe nothing to the lender.

The commercial mortgage market has expanded and diversified considerably over the last few years with more lenders offering commercial mortgages and funding. More people have decided to become self employed and set up business, so lenders have had to wake up to the fact that they need to diversify their business offerings and provide good quality services and competitive rates to attract new business.