Mortgages Made Possible: House and Money
Amy Billitteri is our recommended mortgage & protection adviser, your trusted expert in the complex world of home financing.
With extensive knowledge of current market trends and a keen understanding of various loan options, she is dedicated to helping you navigate the mortgage process with confidence. Whether you're a first-time homebuyer or looking to refinance, Amy will work closely with you to assess your needs and tailor solutions that align with your financial goals.
Count on Amy for clear guidance, transparent communication, and personalised support every step of the way. Let’s turn your homeownership dreams into reality together!
We asked Amy a few questions about mortgages—keep reading to find out what she recommends.
1.
I have adverse credit
Yes, you can get a mortgage with adverse credit, but it may be a bit more challenging — and it often comes with some conditions like higher interest rates or needing a bigger deposit.
2.
Can I get a mortgage with different income sources?
Yes, you absolutely can get a mortgage with different income sources — in fact, it’s quite common. Lenders just want to see that your income is reliable, provable, and sufficient to cover the mortgage payments.
3.
I am a non UK national on a visa
Yes, you can get a mortgage as a non-UK national on a visa, but there are a few extra hoops to jump through — mainly around your visa type, how long you’ve been in the UK, and your financial stability.
4.
Can you still get a mortgage at 55?
Yes, you can definitely get a mortgage at 55, and many people do — either to buy a new home, remortgage, or even release equity. That said, lenders will look more closely at things like your retirement plans, income, and how long the mortgage will run.
5.
Can I purchase my home on the right to buy with no deposit?
Yes, you can often purchase your council home through the Right to Buy scheme with no deposit, because the Right to Buy discount you receive can act as your deposit in the eyes of some mortgage lenders.
If you'd like to reach out to Amy, you can contact her at:
Email: amy@integraf.co.uk
Mob: 07446 946 025
Tel: 0117 251 0083
Web: https://www.integraf.co.uk/
Integra Financial Ltd, Monarch House, 1-7 Smyth Road, Bristol, BS3 2BX.
Authorised and regulated by the Financial Conduct Authority.
Your home or property may be repossessed if you do not keep up your mortgage or loan payments.