Welcome
Mortgage Advice
We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.
Our Services
First Time Buyer
First Time Buyer
First Time Buyer
First Time Buyers often have a long list of questions they want to ask us:
- How does the home buying process work?
- How much can I afford to borrow?
- What are the fees for buying a property?
- How much deposit will I need?
- How much will the Stamp Duty be?
These are just some of the questions we cover thoroughly during our first mortgage meeting. W
First Time Buyers often have a long list of questions they want to ask us:
- How does the home buying process work?
- How much can I afford to borrow?
- What are the fees for buying a property?
- How much deposit will I need?
- How much will the Stamp Duty be?
These are just some of the questions we cover thoroughly during our first mortgage meeting. When it comes to buying your first home, there is no such thing as a stupid question.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home Mover
First Time Buyer
First Time Buyer
Moving home is a really exciting time. There are a lot of fun parts you get to enjoy – such as viewing houses, exploring local areas, choosing new furnishings – but these are sometimes overshadowed by the more stressful parts, like arranging a mortgage.
Citrine Mortgages will search a comprehensive range of lenders to ensure we find the b
Moving home is a really exciting time. There are a lot of fun parts you get to enjoy – such as viewing houses, exploring local areas, choosing new furnishings – but these are sometimes overshadowed by the more stressful parts, like arranging a mortgage.
Citrine Mortgages will search a comprehensive range of lenders to ensure we find the best product for you. We not only provide mortgage advice for moving home, we can manage your entire property-buying journey so you can enjoy this experience - like you’re supposed to.
Remortgage
First Time Buyer
Remortgage
Most mortgages are fixed onto an introductory deal, therefore you may want to remortgage if the introductory deal on your current mortgage is due to end soon and you’d like to avoid being transferred onto your lender’s SVR (standard variable rate)
Other reasons to remortgage are;
- You want to consolidate multiple other debts.
- You need money t
Most mortgages are fixed onto an introductory deal, therefore you may want to remortgage if the introductory deal on your current mortgage is due to end soon and you’d like to avoid being transferred onto your lender’s SVR (standard variable rate)
Other reasons to remortgage are;
- You want to consolidate multiple other debts.
- You need money to fund home improvements.
- You have a large expense coming up - like a wedding or school fees, or you want to help your children with a deposit, etc.
Consolidating debt may reduce your outgoings now, but you may end up paying more overall.
Buy To Let
Specialist Mortgages
Remortgage
Rental properties are popular investments because they can be very successful at delivering a profit.
It’s essential you have the right buy-to-let mortgage if you want to make the most of this kind of financial venture - otherwise what’s the point?
As a mortgage broker, we're perfectly placed to advise you and find a buy-to-let mortgage
Rental properties are popular investments because they can be very successful at delivering a profit.
It’s essential you have the right buy-to-let mortgage if you want to make the most of this kind of financial venture - otherwise what’s the point?
As a mortgage broker, we're perfectly placed to advise you and find a buy-to-let mortgage that matches your property needs. We have access to the whole of market and we're experienced in finding the most suitable mortgage product for less conventional situations.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
Specialist Mortgages
Specialist Mortgages
Specialist Mortgages
Specific requirements? Need your portfolio packaged? It doesn’t matter how complex your case is, see how we can help.
- Adverse Credit Mortgages
- Bridging Loans
- Offset Mortgages
- Development Finance
Protection
Specialist Mortgages
Specialist Mortgages
We can organise bespoke protection for you by selecting from our superb panel of providers. The best part? We charge no arrangement fees for this service. We look at all so many different types of protection such as:
- Life Insurance
- Critical Illness
- Income Protection
- Mortgage Protection
- Family Income Protection
ABOUT US
We are mortgage advisers which means that we will search a comprehensive range of lenders to ensure we find the best product for you. We are not tied to any lenders.
We set up our own company due to the fact that I wanted to give potential clients more time and a more personal experience, when helping them with any mortgage advice. We did not just want anyone to feel like they were on a production line. We pride ourself on giving good honest advise to customers whilst keeping them up to date on every step of their journey with me.
Finding the right mortgage for your own unique circumstances can be difficult, not to mention stressful. We can take care of this for you and endeavor to make buying your home or remortgaging that little bit easier for you. We are able to offer mortgage advice in Stratford-upon-Avon, Solihull, Warwick, Tamworth and surrounding areas. We can also help in all other areas via telephone or email, depending on your preference.
If you prefer to meet face to face or to deal by phone or email, we can do this at a time or place that is convenient to you, even if this is outside normal office hours.
We are advisors, not sales people. You will never be pressurised or receive the hard sell. We can arrange your mortgage for you wherever or whenever it is best for you.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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Contact Us
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Citrine Mortgages
St. Laurence Way Bidford-on-Avon, Bidford-on-Avon, Alcester, B50 4FF, United Kingdom
nicole@citrinemortgages.co.uk 07792073909 jo@citrinemortgages.co.uk 07532045112
Hours
Mon | 09:00 – 17:00 | |
Tue | 09:00 – 17:00 | |
Wed | 09:00 – 17:00 | |
Thu | 09:00 – 17:00 | |
Fri | 09:00 – 17:00 | |
Sat | By Appointment | |
Sun | Closed |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
Citrine Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
Registered office address - 39 St. Laurence Way, Bidford-On-Avon, Alcester, England, B50 4FG
Registration number - 12616327
What are our Fees and Charges?
Insurance
We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.
You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.
Mortgages
For our advice services, we will charge a fee of between £395 minimum and £795 maximum. This will depend on the complexity of the case for example adverse credit/ debt consolidation.
• For residential mortgages we charge a fee of £395.
• For buy to let mortgages we charge a fee of £395.
• For clients with complex cases for example adverse credit/ debt consolidation we charge a fee of £650.
Our fee becomes payable when we provide you with our recommendation(s).
If you choose to proceed with our recommendation and the mortgage goes ahead, we will also be paid commission from the lender for arranging the mortgage on your behalf.
The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available on request.
If you apply for a mortgage that does not go ahead, you will receive no refund.
You will receive a personalised illustration when considering a particular mortgage. This will highlight the key facts about the mortgage product including any fees relating to it and the amount of any commission due to us from the mortgage lender.
If an application is submitted to a lender via a packager (a 3rdparty specialist) we will be paid commission by the packager. This will be disclosed to you.
If you are unhappy with the service provided by our advisers and wish to complain, you will find our complaints process in the below link.
Citrine Mortgages