At Dilligent Investments we refer all of our mortgage enquiries to Stirling Paige LLP. Stirling Paige are vastly experienced in all aspects of mortgage finance; residential, buy to let, commercial as well as land finance arrangements.

Buy to let

The team at Stirling Paige is vastly experienced in the buy to let mortgage market and our clients have benefited from our knowledge of off-plan, refurbishment and standard buy to let lending.

Whether you are an experienced investor with an established portfolio of hundreds of properties or looking to buy your first investment property to provide income for your retirement, we will guide you through the entire process and ensure your portfolio is constructed and managed as efficiently as possible.

Commercial

Whether you need to purchase a new business, buy land for development, (or develop land you currently own), buy new premises for your business, or raise additional working capital, our expert commercial mortgage brokers can support you through what can be a mortgage minefield.

Commercial mortgage rates are rarely standardised in the same way as your home mortgage, instead each mortgage is individually priced to match the strength of the proposal. In basic terms, the deposit requirement and headline mortgage rate will depend on the industry sector, the quality of tenant and the length of the lease.

The value of a broker within this field cannot be overstated, due to the bespoke nature of every single business mortgage transaction. Business mortgage terms are not set in stone and our role in the transaction is to negotiate the best mortgage rate and terms. Our market knowledge means we’re acutely aware of what is achievable given a specific set of circumstances.

We negotiate commercial mortgages with a huge range of lenders including major banks, commercial building societies, niche providers and specialist commercial asset lenders. The appropriate commercial lender is purposefully selected to meet your needs.

We can provide commercial mortgages for all property types, including prime office property mortgages and retail commercial property investment, mixed use, secondary, industrial, warehouses/retail park and multi occupancy serviced offices.

Residential

There are thousands of residential mortgages available in the U.K market and it our job to tailor the right product for your circumstances. In the current market lenders are tightening their criteria and more people are finding that the products they have applied for using the internet are not always available to them. Numerous footprints on your credit file by making direct applications to banks and building societies can actually reduce your credit score and your ability to secure finance in the future. Because of this, the knowledge and contacts of a whole of market broker such as Stirling Paige can be the difference between a costly mortgage and a competitive one.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. There may be a fee for mortgage advice. The exact amount will depend on your circumstances, but we estimate it to be £499.