Specialist Services

Some further help with the finer detail

There’s an endless list of reasons why our customers come to us for specialist mortagage advice. Whether it’s due to your own unique circumstances or because you’ve been declined elsewhere, we can help. You’ll be able to speak to someone who understands your situation and we’ll be able to help you find the right mortgage and supporting services for you.

Impaired credit

While getting a mortgage in today’s market can be challenging if you have bad credit, it isn’t impossible. In fact, an increasing number of lenders assess mortgage applications manually, ignoring when the computer says no. Whatever financial blips you may have had in the past, we can look through that to help you secure a mortgage, even if you’ve had a less than perfect credit history.

We’ve helped customers in the past with a range of issues, if you’ve got any of the following, Blackledge Mortgages might be able to help:

• CCJ’S
• Bankruptcy
• Missed Payments on Loans or Credit Cards
• IVA’S

Conveyancing

Conveyancing is a necessary process in both buying or selling property. A professional conveyancer or conveyancing solicitor helps with the settlement and title transfer process by ensuring that their client is meeting all legal obligations and that their client’s rights are protected during this transaction.

They’re an important part of buying your own home, and we can help you find the right conveyancer for you, taking you from those initial first steps right through the door of your new home.

Surveys

Before the purchase of any property, a survey and valuation report should be carried out. After all, buying a house is often the most significant financial decision of your life… can you really afford to leave it to chance and hope for the best?

We recommend always getting a survey done on any property you intend to buy and we can help you choose the survey that will give you all the information you need.

A Homebuyer Survey and Valuation Report is always carried out before the purchase of a property and are suitable for smaller or average sized properties built within the last 100 years and of conventional design.

A Building Survey is slightly different. It can be tailored to match both the needs of the individual and the type of building meaning you enter the transaction process with the right knowledge in order to make an informed, reasonable decision you can be confident in.

Commercial lending

Solely aimed at businesses, we have a depth of experience dealing with commercial lending.

A commercial loan is a debt-based funding arrangement between a business and a financial institution such as a bank. It is typically used to fund major capital expenditures and/or cover operational costs that the company may otherwise be unable to afford.

Here at Blackledge Mortgages, we can help find the best commercial loan for the needs of your business.

Bridging Finance

If you find yourself in a position where the property you are purchasing is ready to complete before the sale of your existing property, and you are reliant on the funds from your sale to make the purchase, you can look at short-term finance options to bridge the gap in your finances to ensure you don’t lose the purchase of your dream home.

We can help find the bridging loans to help alleviate the pressure at an already stressful time.