Name: Dynamo
Address: Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL, United Kingdom
Telephone: 01276903208

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What type of mortgage are you looking for?
Residential Buy to Let

A buy to let mortgage is required if you will be renting the property out to someone else. A residential mortgage is required if you will be living in the property yourself.
Have you or any family member ever lived in the property?
Yes No

If you have inherited the property from a third party, please answer 'yes'.
Which of the following can we help you with?
Purchase Remortgage

Please select 'remortgage' if you currently own the property and are looking for a new rate.
Have you found a property yet?
Yes No

Select 'yes' if you have a particular property in mind. Select 'no' if you're just after a rough idea of available rates.
How long have you owned the property?

1 Year(s)

Next Question

Please round down to the number of full years you have owned the property.
What is your current mortgage rate?

0 %

Next Question

Enter an approximate rate if you don't have the exact rate to hand.
What is the property's actual or expected value?

£ 220,000

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Please provide your best estimate if you are unsure.
How long would you like the mortgage?

20 Year(s)

Next Question

Enter your ideal length of time. Don't worry – this can be adjusted later if necessary.
How much would you like to borrow?

£ 150,000

Next Question

Please round to the nearest thousand.
Searching for example rates, please wait...
Prefer to have a chat? Speak to a mortgage consultant

Please note that these rates are for illustrative purposes only and do not constitute a mortgage offer. The actual rate and monthly payments will depend on your personal circumstances and lender's criteria. Interest only may not be available on all residential mortgages - please enquire with one of our advisors.
Where in the UK is the property?

Next Question

We need to know the location of the property as some lenders will not lend in all areas.
What type of property is it?
House Flat or Apartment

A flat or apartment is defined as a set of rooms forming an individual residence within a larger building.
Is it a studio flat?
Yes No

A studio flat typically contains just one main room.
How many floors are in the block of flats?

1 Floor(s)

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How many different levels are there within the building including the ground floor?
Does it have deck access?
Yes No

Deck access is where there is a continuous balcony at each level onto which the front door of each flat opens.
Is the property in a habitable condition?
Yes No

Is the residence safe and reasonably comfortable for someone to occupy in its current condition?
Is the property going to be let as an HMO?
Yes No

HMO stands for House of Multiple Occupancy where there are typically 5 or more independent parties living in a household.
What type of tenants are you looking for?

Next Question

A corporate let is where a company secures the property on behalf of employees typically on a long term agreement. The tenancy agreement will be with the company and not the individual tenants.
What type of tenants do you have?

Next Question

A corporate let is where a company secures the property on behalf of employees typically on a long term agreement. The tenancy agreement will be with the company and not the individual tenants.
How much rent do you expect to receive per month (from this property)?

£ 750

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What is your best estimate in line with the current property market?
How much rent do you currently receive per month (from this property)?

£ 750

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What is currently agreed with your tenants as per the tenancy agreement?
Is the property a new build?
Yes No

Has this property been built within the last two years?
Has the property ever been owned by the local authority?
Yes No

Has this property ever been owned or part-owned by the council?
What year was the property built?

In 1950

Next Question

This information can be typically found on either the Seller’s property information form or the property survey.
Is the property above or next to a commercial property?
Yes No

Examples of commercial properties in this context include shops, food outlets, off-licences, launderettes and hairdressers.
Is the property freehold or leasehold?
Freehold Leasehold

Freehold means that you own the property and the land that it is on outright forever. Leasehold is owning a property for a fixed period of time as specified by the lease. A leaseholder may be liable for service charges and ground rent.
How many years are left on the lease?

100 Year(s)

Next Question

This is how many years are left on the leasehold agreement. Typical lease lengths are 125 or 999 years at the start, but can be any length.
How is the property constructed?
Standard Brick Non-standard

Is the property made out of a material other than brick?
How many bedrooms does the property have?

1 Bedroom(s)

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How many people are applying for this mortgage?

1

Next Question

Include anyone who will be on the mortgage application.
Do you have a history of bad credit
Yes No

Examples of bad credit include missed payments, defaults, CCJs and bankruptcy.
Have you ever had a mortgage or loan refused?
Yes No

This could be a form of credit application including finance, credit cards, etc.
Have you ever taken out a payday loan?
Yes No

This is typically a relatively small amount of money lent at a high rate of interest on the agreement that it will be repaid when the borrower receives their next wages.
What is your employment status?

Next Question

This relates to your employment status at the point of application.
What's the combined annual income of all applicants before tax?

£ 27,000

Next Question

Please supply your basic salary. Do not include commission or other forms of bonus.
Do you have any existing credit commitments?
Yes No

You may have other finance agreements such as car, credit or store card, debt repayments or another mortgage.
What is your total credit card balance?

£ 1,000

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Your outstanding balance at the point of application.
What is your monthly spend on the following items?

Council Tax £ 200

Utilities £ 200

Food £ 200

Services £ 200

Next Question

Ensure you provide accurate and up to date information from recent bills.
What is your preferred type of mortgage?
Fixed Tracker/Variable

Fixed rates stay the same for a specified length of time whereas a variable rate can go up or down. Tracker rates follow the Bank of England Base Rate.
What is your preferred type of repayment?
Capital & Interest Interest ONLY

Capital and interest repayments include the repayment of the mortgage and the applicable interest. Interest only repayment plans provide you with the option to pay off just the interest for a specific time period.
Is speed of mortgage completion important to you?
Yes No

Is there a significant event that requires your mortgage application to complete by a specific date? For example, product end date, new build purchase, relocation, change of lender.
Would you like a product with either no valuation fees or a fee refund?
Yes No

Some lenders allow you to choose between not paying for a valuation fee, or to have a cash back element refunded to you on completion of your mortgage.
Would you like the ability to add fees to the loan?
Yes No

Lenders allow you to add their fees, i.e. arrangement and completion fees, to the mortgage balance rather than paying them up front.
Are you a first-time buyer?
Yes No

A person who has never owned a property or has not owned a property in the last three years. If you have inherited a property and are named on the deeds, you would not be classed as a first-time buyer.
How will you own this property?
Personal Name Limited Company

A property can be registered under a person or a limited company depending on the preference of the individual.
What is your current residential status?

Next Question

This will relate to the property in which you reside at the point of application.
How many dependants do you have?

0 Dependant(s)

Next Question

A dependant is someone who relies upon you for financial support, such as a child or family member who does not work.
How many properties do you have in your portfolio, excluding your main residence?

0 Properties

Next Question

Other than your main residence (if owned), how many properties do you own?
Calculating mortgage rates, please wait...
Please note that these rates are for illustrative purposes only and do not constitute a mortgage offer. The actual rate and monthly payments will depend on your personal circumstances and lender's criteria. Interest only may not be available on all residential mortgages - please enquire with one of our advisors.
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