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Lets get started
At Hexagon, we know that you are unique. We are too.
Our goal is to ensure that we get you the most suitable mortgage for your circumstances from the thousands of products we have on offer.
The first step is we’ll ask you to complete some initial information to help us get to know you. With this detail we can sit down with you and look at what you’re likely to be able to afford, so you know where you stand. This will also allow us to process your application efficiently.
Have a browse below at a little bit of detail on the different types of mortgages we can help you with, or request a call back
First Time Buyer
Getting on the ladder is a dream that most hope to achieve at some stage. At Hexagon, we have helped hundreds of clients to achieve their dreams.
The process can be tricky to navigate without the right advice and trusted support that we offer to every client.
First-time buyers
We know that a mortgage application, especially for the first time, can be a daunting experience. No need to worry though, we’ll be with you every step of the way.
Here at Hexagon, we take special care of our first-time buyers, helping you to gather everything you need up front so there are no last-minute surprises. Check out our handy home buyers 10 step guide to see how this all works.
We don’t just pick a mortgage product, we will be by your side until you’ve turned the key in your front door. And we’ll even stick around afterwards (if you’ll have us).
We are here to answer every question you may have, however big or small. Give us a call, and we can discuss your circumstances to get you started.
Remortgage
There can be many reasons why a remortgage might be appropriate.
The most common reason to remortgage is simply to obtain a better rate of interest. However, you may want to add a new kitchen or bathroom, consider a loft conversion or extension, or raise funds for your children to go to university.
Whatever it is, we recommend you call us 4 months before your existing rate expires. That gives us time to do our work so you don’t ever pay more than you have to.
We will find you the most suitable product and lender for the job. No matter how big or small, we can discuss your project and how best to finance it.
Buy to Let / Investment
Wanting to invest in the property market? You have come to the right place. Investing in the property market can represent a great long term strategy and if done correctly, can ensure you benefit from both income and long term capital appreciation.
The Buy to Let market has become even more complex in recent years, requiring specialist guidance and advice to ensure you maximise your growth potential.
Every situation is different and therefore our advice is tailored to your specific circumstances and requirements. As a rule of thumb, you will still require around a 25% deposit plus set up costs.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Your home/property may be repossessed should you fail to keep up repayments
Moving Home
There are a lot of things to think about when moving house, the last thing you want to worry about is whether you are getting the best deal on your mortgage.
We will not only make sure that you get the most suitable deal available for you based on your circumstances, but we will take away all the hassle of the process by ensuring a smooth and efficient mortgage application. We will even liaise with your solicitor to ensure they have everything they need to get you moving.
You can concentrate on the more important things, like what colour to paint the lounge!
Contractor Mortgages
Getting a mortgage arranged as a contractor can be stressful. Lenders sometimes find the way contractors work confusing, therefore making your life much harder than it should be.
We work with our key contacts at lenders that understand how you work, to ensure a smooth process, with greater certainty of what you can borrow, so you can plan your move or home improvements effectively.
We have lenders available that will base lending on the strength of your current day rate contract (subject to assessment of contract and general lending criteria).
You can concentrate on your day job, while we sort out your finances.
Shared Ownership
Shared Ownership has been helping people onto the property ladder for years.
Essentially, you buy a part of the home, and you rent the rest, usually from a housing association. Typically, you will purchase around 40% of the home and rent the remaining 60% at an agreed rate which increases with inflation. It's often used as a stepping stone onto the ladder, especially in the South of England where housing costs are much higher than in other parts of the UK.
Typically, you will only need to find a 5% deposit based on the share you want to buy, which is music to the ears of renters finding it difficult to save significant sums each month.
Self Employed
Self Employment can be a fantastic opportunity to escape the 9-5, but it can be a challenge when it comes to getting a mortgage, and you can be far more vulnerable to issues with health than employed counterparts. The good news is that with the right support, getting on the market or refinancing your home doesn't have to be impossible.
Through our contacts and with specialist knowledge, regardless of whether you are a sole trader or a LTD Company, we can make sure you know where you stand and can realise your ambitions.
Family Assistance
Family assistance takes on many forms, from simply gifting a deposit to becoming a guarantor. However knowing the best way to help get your children on the housing ladder can be vital to avoid an issue further down the line.
There are many different options, including some where you needn't part with your hard earned money, to help your children get themselves on the property ladder.
We can help you to decide what the most appropriate route might be and help put a plan in place to ensure that your children have the opportunity to own a home of their own, when the time is right.
Right to Buy
Right to Buy is the process of purchasing your council home. This is a potential option if you have been renting a property from the local council, and you can apply directly to them and get up to a £75,000 discount on the property value, depending on how long you have been renting the property.
This can be a fantastic opportunity for long term local authority renters to get on the housing ladder and protect their future.
If you are currently renting from the local authority and want to know your options, why not give us a call and we can talk to you about how best to find out more about this scheme.