First Time Buyers
Buying your first home is a major undertaking. So how do you know which deal will be best for you? There are so many factors to take into consideration.
Here at Magill's we can provide you with what you need to help make your decision as a first time buyer.

Home Mover
If it is a while since you bought your home, chances are you're like most people out there and can't remember where to begin sorting out your mortgage, or you just want to know more about the new options available.
We aim to answer all of these questions for you. We take you through the buying and selling processes step by step, explaining exactly what you need to know. We tell you exactly what you need to ask your mortgage lender before you sign up.

Re-Mortgage
Remortgaging simply means switching your existing mortgage to a new deal, often to a new mortgage lender. If you have just come out of a special deal (such as a fixed rate or a discounted rate), there is nothing to stop you switching to a lower rate or a more suitable deal. And even if you have just come out of a special deal and are obliged to pay a penalty to switch to a new one, the figures may well add up in your favour. These days the process is easier than ever before - so why not take advantage of the situation?
You may have to pay an early repayment charge to your existing lender if you remortgage.

Buy To Let
With the current high demand for quality rented property, buying to let has become an increasingly popular way of investing.
We can offer you a wide range of Buy To Let mortgage products. You may be looking for a flexible mortgage which could give you the option to overpay, underpay/borrow back and take payment holidays. This flexibility is available on selected fixed and discount products. Or you can choose from one of our standard mortgages which include fixed rate and tracker options.

You must consider that the cost of the mortgage may not be covered as there is no guarantee that the property will be let on a continous basis or that the rental income will be sufficient.

Self Build
Self build mortgages, also known as stage payment mortgages, are another specialist type of mortgage that have seen a surge in popularity over the last decade, thanks to the rising number of people building their own home or undertaking a major renovation, extension or conversion project.

Right To Buy
A mortgage to help you to buy your Council/Housing Association rental property. We can assist you in raising the purchase price plus additional cash for any purpose.

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

Usually no fees are charged, but we offer a fee based option and charge up to 1.5% of the loan amount.