• RESIDENTIAL MORTGAGES

• BUY-TO-LET

• NEW BUILD MORTGAGES

• BRIDGING FINANCE

At Arc & Co. we consistently strive to be at the forefront of the market, positioning ourselves as industry leaders through innovation and expertise. The residential mortgage market is an ever-changing and dynamic landscape with new lenders entering each year, bringing fresh products, competitive rates, and innovative lending criteria. Our dedicated advisors continually review both new products and new lenders, conducting thorough market analysis to ensure we can provide our clients with the most suitable and comprehensive advice available. This commitment to staying current with market developments means our clients benefit from access to the latest opportunities and most competitive deals available.

We understand that the mortgage market can appear complex and overwhelming, which is why we invest significantly in ongoing training and market research. Our team maintains relationships with a diverse panel of lenders, from high street banks to specialist building societies and alternative finance providers, ensuring we can match clients with the most appropriate lending solutions for their unique circumstances.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

First Time Buyer

Making your first steps on the property ladder can be a genuinely daunting and overwhelming experience, filled with unfamiliar terminology, complex processes, and significant financial commitments. Our experienced advisors fully understand these concerns and the emotional journey involved, so we will carefully lead you through the entire process from the very start to the successful completion of your purchase. We take pride in demystifying what can seem like an intimidating process.

We will explain in depth the intricate details and complexities of the mortgage market, covering everything from deposit requirements and lending criteria to interest rate options and repayment structures, ensuring you're aware of all available options to help you achieve your homeownership goals.

Remortgage

A mortgage for most people represents close to a lifetime commitment, with terms now ranging up to retirement and in some cases extending beyond. The financial landscape and your circumstances will inevitably change over the years, making ongoing review essential. It's not just important to receive the right advice when first taking out a mortgage, but also consistently throughout its entire term to ensure you continue to benefit from the most appropriate and cost-effective arrangements.

Arc & Co. will proactively manage your mortgage throughout its complete lifetime, providing ongoing support and advice to ensure you consistently achieve the most cost-efficient deal available to meet your evolving needs. We can comprehensively review your existing mortgage arrangements and provide a detailed health check at any stage throughout its term, identifying opportunities for improvement and potential savings.

We always recommend conducting a thorough review at least 6 months in advance of any fixed-term deal coming to an end, allowing sufficient time to explore all available options and secure the best possible rates before your current deal expires. This proactive approach prevents you from automatically moving to your lender's standard variable rate, which is typically significantly higher than available fixed-rate alternatives.

Home Mover

With the world becoming increasingly connected and people moving more frequently for career opportunities, lifestyle changes, or family circumstances, it is particularly important to ensure that mortgage advice is given with a comprehensive long-term view and strategic planning approach. Our experienced advisors make certain that the client relationship continues and strengthens long after you have received your initial loan, creating a partnership that evolves with your changing needs.

This enduring relationship ensures we can effectively manage your mortgage by carefully considering various options, such as porting your existing mortgage to a new property or strategically redeeming the existing debt and arranging entirely new financing. We understand that each move presents unique challenges and opportunities, and our expertise helps navigate the complexities of property chains, timing constraints, and varying property values.

Our home mover service takes into account factors such as changing income levels, family circumstances, and future plans, ensuring that your mortgage arrangements continue to align with your evolving lifestyle and financial objectives. We can also advise on additional borrowing requirements for home improvements or other purposes related to your move.

There will be a professional fee for comprehensive mortgage advice services, which is payable upon successful completion of your transaction. The precise amount will depend upon your circumstances, the complexity of your requirements, and the level of service provided, but we estimate that it will typically be 1% of the loan amount – for example, £1,000 on a £100,000 mortgage. This transparent fee structure ensures you understand the cost of our professional service from the outset, with no hidden charges or unexpected fees.