Mortgage Advice Services
First Time Buyer Mortgage Advice
Buying your first home is a huge milestone — and it’s completely normal to feel a bit overwhelmed. At Grandi Mortgage Solutions, we specialise in helping first-time buyers understand the mortgage process from start to finish, making everything clear, simple, and stress-free.
We’ll guide you through every step — from working out how much you can afford to securing that all-important mortgage offer. With access to a wide panel of lenders, we’ll help you find the right deal for your unique situation, whether you’re putting down a 5% or 10% deposit.
Many first-time buyers start by approaching their bank or building society. While that can be a good starting point, it’s worth knowing that your bank might not offer the most competitive deal available. As independent mortgage advisers, we search the market to find options tailored to your needs — not just the one option your bank offers.
Our goal is to give you confidence, clarity, and complete support from your first viewing to the day you get your keys.
Remortgage Advice in Chinnor
Looking to reduce your monthly payments or unlock equity from your home? At Grandi Mortgage Solutions, we offer expert remortgage advice in Chinnor and the surrounding areas, helping you switch to a better deal that suits your financial goals.
A remortgage involves moving your current mortgage to a new deal – either with your existing lender or a different one. Unlike refinancing, which usually means borrowing more money, remortgaging is focused on getting a better rate on your existing loan.
How Can Remortgaging Help You?
✅ Lower Monthly Payments
Remortgaging can help you secure a lower interest rate, reducing your monthly payments and easing financial pressure.
✅ Access Equity in Your Property
As your home increases in value, you build equity. Remortgaging allows you to release some of that equity – perfect for funding home improvements, consolidating debts, or making large purchases.
✅ Protect Against Rising Interest Rates
Worried about rate increases? Switching to a fixed-rate mortgage can give you peace of mind, locking in your repayments for a set period.
✅ Consolidate Debts
Combine multiple debts into one manageable monthly payment by using your home’s equity. Remortgaging can be a smart way to reduce your overall interest costs.
✅ Fund Home Renovations
Want to upgrade your kitchen or extend your property? Remortgaging gives you access to the funds you need to invest in your home.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home.
Better New Build Mortgages with Own New
At Grandi Mortgage Solutions, we're proud to be an Own New Approved Broker, giving our clients access to exclusive new build mortgage products designed to make home ownership more affordable and achievable.
Own New helps buyers access better mortgage rates on new build homes by working in partnership with homebuilders and lenders. A contribution from the developer is used to reduce the cost of the mortgage, resulting in lower monthly payments or reduced deposit requirements for the buyer.
Own New offers two innovative products that address the two biggest challenges facing buyers today:
✅ Affordability – Own New Rate Reducer
This product reduces the mortgage interest rate, which lowers the buyer’s monthly repayments — making home ownership more manageable from the outset.
✅ Deposit – Own New Deposit Drop
This helps more buyers secure a mortgage with a smaller deposit, opening the door to home ownership for those who may have struggled to save a large amount.
As an Own New Approved Broker in Chinnor, we’re able to guide you through these options and help you find the right solution for your circumstances — especially if you're buying a new build property.
Mortgage Advice for Home Movers in Chinnor
If you already have a mortgage and are planning to move to a new property, you're classed as a home mover. Whether you're upsizing, downsizing, or relocating, we’re here to help make the mortgage side of your move as smooth as possible.
When moving home, you don’t always need to take out a brand-new mortgage — you may have the option to port your existing mortgage to your new property. This means transferring your current mortgage deal (including the interest rate) to your new home, subject to your lender’s criteria.
Porting can be a great option if you're on a competitive rate and want to avoid switching products. However, it’s important to weigh up whether it’s the best route financially, as in some cases, a new deal could offer better value.
At Grandi Mortgage Solutions, we’ll walk you through all your options — from porting your mortgage to arranging a new one — so you can focus on the move, not the paperwork.
Buy-to-Let Mortgage Advice for Landlords and Investors
Thinking of investing in property? At Grandi Mortgage Solutions, we provide tailored buy-to-let mortgage advice to landlords and property investors across Chinnor and the surrounding areas.
A buy-to-let mortgage is designed specifically for people who want to purchase a property to rent out to tenants. Unlike residential mortgages — which are for owner-occupiers — buy-to-let mortgages are geared towards generating rental income.
How Do Buy-to-Let Mortgages Work?
Buy-to-let mortgages operate similarly to standard mortgages, but there are some important differences to be aware of:
✅ Higher Deposit Requirements
Lenders usually ask for a larger deposit — typically around 25% of the property’s value, although this can vary depending on the lender and your individual circumstances.
✅ Rental Income Considered
When assessing your application, lenders will focus on the property’s potential rental income. Most require the rent to cover a set percentage of the mortgage repayments — often 125–145%.
✅ Higher Interest Rates
Because buy-to-let mortgages are considered higher risk, they often come with slightly higher interest rates than standard residential deals.
✅ Affordability and Risk Management
In some cases, lenders will also look at your personal income to ensure you can cover the mortgage during void periods when the property may be empty.
Whether you're buying your first investment property or expanding your portfolio, we’ll help you understand your options and secure the right deal for your goals.
Shared Ownership Mortgage Advice in Chinnor
If you're struggling to get on the property ladder, a shared ownership mortgage could be the solution. At Grandi Mortgage Solutions, we help first-time buyers and those with limited deposits explore part-buy, part-rent schemes that make homeownership more affordable.
Shared ownership mortgages allow you to buy a share of a property — usually between 25% and 75% — while paying rent on the remaining portion owned by a housing association or developer. It’s a popular option for buyers who may not be able to afford a property outright but want the stability of owning a home.
How Shared Ownership Mortgages Work
✅ Purchase a Share of the Property
You buy a percentage of the property based on what you can afford. The rest is owned by the housing association or developer.
✅ Pay Rent on the Remaining Share
You'll pay subsidised rent on the portion you don’t own, making monthly costs more manageable than buying outright.
✅ Staircasing: Increase Ownership Over Time
As your financial situation improves, you can purchase additional shares in the property — eventually owning 100% if you choose.
✅ Eligibility Criteria Apply
Shared ownership schemes are typically aimed at first-time buyers or those with lower household incomes. We’ll help you check if you qualify and walk you through the process.
Why Consider Shared Ownership?
- Lower deposit and smaller mortgage
- Flexible route to full ownership over time
- Ideal for first-time buyers in Oxfordshire
- Access to new build homes in desirable developments
If you're looking for an affordable way to buy a home in or around Chinnor, we’ll guide you through your options and support you every step of the way.
Self-Employed Mortgage Advice in Chinnor
If you're self-employed, getting a mortgage can feel more complicated — but it doesn’t have to be. At Grandi Mortgage Solutions, we specialise in helping self-employed individuals secure the right mortgage, whether you’ve got 1 year of accounts or have been trading for many years.
Each lender has different criteria when it comes to self-employed applicants. Some may require two or three years of accounts, while others will accept just one — depending on your income structure, trading history, and how your accounts are presented.
Our job is to piece your puzzle together, working with you to understand your situation and find lenders who are best suited to your income type — whether you're a sole trader, limited company director, contractor, or freelancer.
We’ll help you:
- Understand what documents you’ll need
- Compare self-employed-friendly lenders
- Get the best available rate for your unique circumstances
- Navigate any hurdles with clarity and confidence
If you're self-employed and looking for a mortgage in Chinnor or the surrounding areas, get in touch for honest, expert guidance tailored to you.
Bad Credit Mortgage Advice in Chinnor
Worried your credit history will stop you from getting a mortgage? Don’t be. At Grandi Mortgage Solutions, we help clients with adverse credit secure mortgage deals through specialist lenders who assess applications with a more flexible, human approach.
Whether you've had missed payments, defaults, CCJs, or other financial issues in the past, there are lenders out there who will still consider your application — and we know where to find them.
How Do Adverse Credit Mortgages Work?
✅ Flexible Lending Criteria
These lenders look beyond just your credit score. They’ll consider your overall affordability, the reasons behind your credit issues, and how your situation has improved.
✅ Higher Deposits Required
In many cases, you may need to provide a larger deposit than someone with a clean credit history — often 15–25% depending on your circumstances.
✅ Specialist Lenders
We work with lenders who specifically cater to people with poor credit. They understand that life happens — and focus on solutions, not just problems.
✅ Higher Interest Rates
Rates may be slightly higher to reflect the increased risk, but we’ll always help you find the most competitive option available.
At Grandi Mortgage Solutions, we’ll guide you through the process with no judgment and total transparency — helping you take a positive step forward towards homeownership.