Restrictions may apply to any property that is used to secure a loan (in the absence of a full deposit). Some lenders will value the property according to its remaining equity (as opposed to market value), while damaged properties or those unlikely to sell are often disregarded.More information
In terms of lenders, high street banks invariably offer the best rates and the best loan to value mortgages. However, they can demand a high level of income and cash flow to repay debt obligations and the application process can be lengthy (often over three months). Read more about other options available to you.More information
Commercial mortgages are loans which are secured against a non-residential property. They are used to buy or re-mortgage business premises, such as offices, warehouses, hotels or shops, although they can also be used on part commercial, part residential ‘mixed use’ properties.More information
Whole Market Access
“Our experience of Charles Louis, from start to finish, was fantastic. Zoe seemed to know everything you could possibly need to know about the house (including all the neighbours!) when we first viewed it with her and was very accommodating when we asked for a second viewing the very next day! Our experience up until that point was that we often felt rushed when viewing a property or told to ‘call the office’ if we had a question.
Once we had our offer accepted, I found James to be very responsive and I was never left waiting if I emailed or text across a quick query throughout the process. Having a named person who I could just ring whenever was a massive win and removed much of the stress – I never once had to explain who I was or why I was ringing – it felt like a very personalised service. Having just moved to Ramsbottom we have already recommended them to a few people!”Robert Cregeen
“As first time buyers, both myself and my partner were both completely clueless about the mortgage process. We were recommended Charles Louis Mortgage Advisers and we were not left disappointed! Michelle was extremely helpful in getting all the necessary information over to us, keeping us updated on where we were up to in the process and also answering any questions which we had. We both feel that by using Charles Louis Mortgage Advisers, the process was made so much quicker and easier and we felt that we were in safe hands in getting the best mortgage for us. We couldn't have done it without them and especially Michelle” ”M Williams
““Charles Louis take a wholistic view of your requirements and take time to understand what you need, helping you through the process all the way. I’ve used them for years and wouldn’t go anywhere else” ”Miss J Kain
““I’ve been working with David, Alice at the team at Charles Louis since early 2015. During this time they have been instrumental in assisting me, not only to grow my own personal collection of buy to let properties, but to grow my family’s limited company portfolio as well. We have worked together on mortgages and remortgages across a range of different property types and I’ve found the team invaluable, particularly when it comes to problem solving. As anyone who has been involved in property for any length of time knows, ‘Plan A’ often doesn’t work out. It’s at these times when I’m really grateful for the experience and depth of knowledge that Charles Louis bring. They never fail to help me find options that allow me to complete on deals I’d otherwise miss out on. They are an essential part of my property team.” ”Sam Jones of Ashlar Property Management Ltd. Powys, Wales.