Hussaria GroupMortgage advice
Mortgage advice,
including the cases
others turn away
Residential, buy to let, remortgage and complex cases. We work with an unrestricted number of lenders, so the recommendation is shaped by your circumstances rather than one lender’s range.
What we help with
Cases we
take on
Some of these are straightforward and some are not. The specialist work is where we spend most of our time, and it is the reason a lot of clients are referred to us.
First time buyers
Working out what you can realistically afford, how much deposit you need, and what the monthly payment will actually be. We do that before you start viewing, so offers are not made on guesswork.
Talk about a first purchaseHome movers
Selling and buying at once means two sets of timings that have to line up. We look at whether porting your existing deal makes sense, and keep the lender side moving while the chain does its part.
Talk about movingRemortgaging
When a fixed period ends most people move onto the lender’s standard rate by default. We start the review well before that date and compare the wider market against what your current lender will offer.
Review your current dealBuy to let and first time landlords
Holding a property personally or through a limited company changes which lenders will consider it and how the rent is assessed. First time landlords meet tighter criteria than most people expect.
Talk about a buy to letCapital raising
Releasing equity from a property you already own, for a purpose you can evidence. We show the cost over the full term alongside the monthly figure, because those two numbers often tell different stories.
Talk about raising capitalBridging finance
Short term lending for when the timing does not line up, such as buying before you have sold, or an auction purchase with a fixed deadline. The exit route is agreed at the outset rather than left to be worked out later.
Talk about bridgingComplex income
Self employed, contractor, bonus, commission, dividends, or several sources at once. Lenders differ considerably in how they assess this kind of income, so which lender a case goes to can change what is achievable.
Talk about complex incomeHow it works
From first call
to completion
The same four steps apply to every mortgage case, whether it is a first purchase or a portfolio remortgage.
- 01
We understand your circumstances
Before anything is recommended, we take the time to understand your income, your commitments, your plans and the timescale you are working to.
- 02
We explain the options in plain language
You see what is available and how each option differs, described without jargon, so the comparison is yours to make rather than ours to present.
- 03
We highlight risks as well as benefits
A recommendation is only useful if you also know what it costs you and where it could go wrong. We set both sides out before you decide.
- 04
We support you before, during and after
The advice does not end at the application. We stay with the case through to completion, and we are here when your circumstances change.
Scope and cost
What it costs
and who we work with
The two questions worth answering before you go any further. Both are set out here in the same words we use in our regulatory disclosures.
Lender scope. Hussaria Group Ltd is an authorised credit broker and not a lender. We work with an unrestricted number of lenders to find a potentially suitable arrangement for your consideration.
Commission. We will receive commission from lenders. Different lenders pay different amounts depending on the commission model used.
Our fee. We usually charge a broker fee which will depend on the type of transaction and will be disclosed to you throughout your customer journey.
Your adviser will confirm the fee that applies to your case, and the commission position, before you are asked to commit to anything. If a recommendation would not leave you better off, we will say so.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Common questions
Mortgage
questions
If the answer you need is not here, an adviser will go through it with you on a first call at no charge for that conversation.
How many lenders do you compare?
Hussaria Group Ltd is an authorised credit broker and not a lender. We work with an unrestricted number of lenders to find a potentially suitable arrangement for your consideration.
Will I be charged a fee?
We usually charge a broker fee which will depend on the type of transaction and will be disclosed to you throughout your customer journey. Your adviser will confirm the amount that applies to your case before you commit.
Do you receive commission from lenders?
We will receive commission from lenders. Different lenders pay different amounts depending on the commission model used.
I am self employed. Does that make it harder?
It changes how your income is assessed rather than ruling anything out. Lenders differ considerably in how they treat self employed income, retained profit, contract income and bonuses, which is one of the main reasons comparing across the market matters for these cases.
What should I have ready for a first appointment?
Nothing formal is needed to have a first conversation. When the case moves forward, a lender will usually want to see:
- Photo identification and proof of your current address
- Recent payslips, or accounts and tax calculations if you are self employed
- Recent bank statements
- Details of any credit commitments and regular outgoings
Can you help if I have been declined elsewhere?
Often, yes. A decline by one lender reflects that lender’s criteria rather than a market wide position. We would want to understand the reason for the decline first, because that determines which lenders are worth approaching and whether the timing should change.
Lender panel
Lenders we
work with
Hussaria Group Ltd is an authorised credit broker and not a lender. We work with an unrestricted number of lenders to find a potentially suitable arrangement for your consideration.
A selection of the lenders we work with. Availability and lending criteria change regularly, so the panel that applies to your own case is confirmed during your appointment.
Talk through your case
Tell us what you are trying to do and an adviser will tell you honestly whether it is achievable and what it is likely to cost.