Our services
At IMS we provide an honest, personalised & quality service…
Please see below for details of these services, our approach, process, and how we can serve your unique requirements.
We'll guide you through the mortgage process
At IMS, we are dedicated to providing our clients with a bespoke, first-class mortgage service. Our approach is designed to maximise your chances of a successful application.
This starts with us taking the time to understand your objectives, which enables us to propose an appropriate mortgage solution. If we are able to progress your mortgage, we guide you through every step in the process, along with a genuine timeline expectation.
IMS is independent and accesses the entire mortgage market. This means that we are able to tailor solutions to individual client requirements.
Finally, IMS can provide referrals to high-quality services to support the property buying process, including solicitors, and insurance companies.
Mortgage products
When it comes to mortgages, there are several different options for you to choose from, so make sure you find one that works best for your needs. Here's a rundown of three of the most common ones:
- Buy-to-let: If you want to buy a property for the purpose of earning rental income, then this is the mortgage product you need. The amount you can borrow will depend in part on the expected rental income for the property, and many of these loans are offered on an interest-only basis.
- A home mortgage: used for the purchase of your main residence, or an additional residence for yourself or a member of your family. As an overseas buyer, the choice of lenders will be different to those available to UK residents.
- The final type is a holiday home mortgage, which gives you the option of getting financing for your vacation home. If you're planning on renting out your residence, this could be a great option for you—especially if it has a solid rental history behind it.
Qualification criteria
Please ensure you meet the qualifications and requirements
We carefully select our clients based on specific criteria, and are only able to accept pre-approved or known acceptance applications. Our singular focus is to assist you or your family in acquiring the property of your dreams in an efficient and timely manner.
If you're looking for a mortgage, you can apply to us if you:
● Earn over £80.000 p.a. (or equivalent)
● Are seeking a mortgage of over £300,000, with a maximum LTV (loan-to-value) of 75%
● Are employed on a permanent contract for at least 2 years (If self-employed or owning more than 25% of a company - have an accounting history of at least two years.)
Our approach
No client is identical, and not every mortgage is created equal. Here’s our personalised approach:
Everyone deserves access to the best home loan, so we offer a few simple steps that will help you save money and get the loan that fits your needs fast.
01.
We establish your objectives first, ensuring that we can deliver a successful mortgage solution for each individual client.
04.
Our established approach guarantees a
smooth and efficient application process, minimising any potential obstacles or delays.
05.
We offer referrals for ancillary services
such as legal support and insurance, ensuring that all necessary measures are taken care of before the process begins.
02.
We undertake comprehensive market analysis to identify the options that best align with your objectives and financial situation
03.
We give an answer to every enquiry within 48 hours - positive or negative, together with feedback on how to ensure a successful application.
Our fees
Our competitive pricing is tailored to your goals. Choose your plan today:
*Once we establish that we can proceed, there is a non-refundable application fee of £500. This fee is deducted from
the mortgage offer fee at the end.
Financing a property in the UK can be very complex, and that's why we do everything to make sure you get the mortgage
you want and need.
An outstanding service. Always available to assuage any concerns we had. Highly recommended.
Looking to buy UK property?
Notice: Your home is at risk should you not maintain payments on a mortgage or other loan secured against it
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