Providing the support and guidance you need on your home ownership journey
Get In TouchBuying Your First Home
Buying your first home is exciting, but the process can be complex. As one of the UK’s leading mortgage brokers, we can guide you through all stages of the buying process. At CARA Mortgage Services, we take the hassle out of homebuying by doing the complicated work for you.
Moving Home
Moving house is an exciting time, and we're here to make sure you find the right mortgage. Whether this is your first move or you’ve moved house before, we can help you every step of the way and find the right mortgage for you.
Re-mortgaging
Re-mortgaging allows homeowners to switch their mortgage to another lender, or negotiate a better deal with their existing one. It effectively means replacing your current mortgage, when your product ends, with a new one. With access to 12,000 mortgages from over 90 lenders, many of which are not available if you don't use an intermediary, we can help take the time and hassle out of your re-mortgaging process.
Buy to Let
When investing in a Buy to Let property, you need to know that your mortgage meets your criteria. Whether you are finding that first property to rent out or expanding your rental property portfolio, at CARA Mortgage Services we have Buy to Let mortgage experts on hand to help.
New Build
A brand new property has lots of advantages, but buying a property directly from a developer comes with its own set of challenges. With a potentially longer buying process, Government funding schemes and stricter lender criteria to take into account, talking to an expert at CARA Mortgage Services can help your dreams of owning a new home become a reality.
Protection Advice
It’s very easy to overlook the importance of protection but it’s crucial you think about it when you have a mortgage. It is wise to plan now for the future and protect you and your family so that you can relax and enjoy the present. At CARA not only can our expert team of Mortgage & Protection Advisers support you but we also have a dedicated Protection team who specialise in recommending the best protection products to anyone who needs cover.
Later Life Lending
Another part of the CARA family, CARA Finance Group trading as Mortgage Advice Bureau - Later Life is also now able to support homeowners over the age of 55 unlock the value in your home. We’re here to help you decide if equity release could improve your retirement finances by help funding the practical things you need, as well as the things you want. Whether you’re looking into equity release to help make your retirement more comfortable or have bigger dreams for your funds contact us to talk about your options.
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We're Winners!
✨✨ Breaking News ✨✨ In our first full year working with Feefo, we’re delighted to announce that we’ve been awarded a Gold Service Award. We’d like to thank a...
Things to consider for your home rennovations
In recent times, we have all been at home a little more than we are used to, making home renovation projects increasingly popular. If you’re planning on renovating or extending your home, th...
Does Protection Pay?
Following a recent survey of 5000 UK adults it turns out that most people think that protection pays out at claim less than 50% of the time! The reality is totally different to this. Al...
95% Mortgages Are Back
A new government-backed mortgage scheme to help people with 5% deposits get on to the housing ladder is available to lenders from today (19 April 2021). First announced at the Budget, the sc...
Getting mortgage ready during lockdown
The beginning of a New Year has seen tough lockdown restrictions put in place across the UK. However, despite stricter Coronavirus measures being introduced, the housing market remains open for bus...
How does maternity leave affect remortgaging?
As a mortgage is directly linked to how much money you earn, your lender has to take into consideration things like maternity leave, when carrying out affordability checks on you. When you’re on ma...
Why has my mortgage application been declined?
Having a mortgage application declined can be very frustrating to say the least as it can slow down the process of buying your house. If this has happened to you, you’ll no doubt want to understand...
Considering a Self-Build?
Is it your ultimate dream to one day design and live in a home that you’ve created yourself? But perhaps the thought of going into the unknown is putting you off making it happen? In this article, ...