Buy to Let Mortgages
Investment property mortgages work differently to residential ones. Our buy-to-let mortgage specialists know which lenders accept new landlords and help experienced investors expand their portfolios.
Mortgages
Your home is probably the biggest purchase you'll ever make. Our mortgage advisers know which lenders say yes when others won't and find mortgage deals that save you money.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Flexible Mortgages
Modern flexible mortgages offer overpayment options and payment holidays that traditional 25-year mortgages can't match. We help you find flexibility that works with your changing financial situation.
Government Backed Schemes
Government schemes can help you buy with less deposit or afford more house. Our mortgage advisers know exactly which government-backed schemes you qualify for.
Equity Release *
Equity release helps you access cash tied up in your home for retirement income or other purposes. Equity Release advice is provided via a referral to a specialist. Sterling Street does not provide Equity Release advice directly.
First Time Buyers
Getting on the property ladder feels impossible until you know your options. Our first-time buyer mortgage advisers explain deposit requirements, government schemes, and find lenders who want to help.
Offset Mortgages
Offset mortgages let you use your savings to reduce your mortgage balance and interest payments. We explain how offset mortgages work and whether they could save you money.
Remortgages
Your mortgage deal won't last forever, and better rates might be available now. Our remortgage specialists compare your current deal with rates across an extensive panel of lenders and handle the switching process.
Second Charge Loans
Second charge loans can be secured against residential or buy-to-let properties when you need additional borrowing. Second Charge Loan advice is provided via a referral to a specialist. Sterling Street does not provide Second Charge Loan advice directly.
Self Build Mortgages
Building your own home requires specialist mortgage products where funds are released in stages. Our self-build mortgage advisers know which lenders support construction projects.
A Lifetime Mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This is a referral service.
We're here for your biggest purchase.
How can we help?
Connect with mortgage advisers who understand how important buying a home is and help you navigate the process with confidence.
Find Us
Visit us at our main office located in the heart of Billericay. Whether you're planning for the future or seeking immediate financial advice, we're here when you need us and where you need us.
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