Mortgages

Hoxton Capital Management has quickly established itself as one of the fastest growing independent advisory companies. Hoxton Mortgages allows us to improve our offering to clients and along with Hoxton Properties, forms a full turn-key solution for people clients looking to obtain property assets. Our in-house team headed up by Maria Fadeeva, comes with a wealth of experience and can assist with a range of different mortgages for both expats and UK residents. If you are looking for a mortgage of any kind, or considering your options regarding an existing mortgage, get in touch with our team today.

Who we are

Maria Fadeeva Mortgage Director

Maria is a CeMap qualified mortgage broker, with over +15 years of comprehensive experience in mortgage brokerage, real estate, business development and client service across UK, European and UAE markets. Maria graduated from what considered to be one of the best business schools in CIS, The State University of Management in Moscow in 2004. In October 2020 Maria joined Hoxton team to set up and develop our Mortgage Advisory department. 

Alan Gillespie Mortgage Adviser

Alan Gillespie originally started his career in banking before moving into the aviation industry. He flew helicopters before becoming a commercial pilot for major airlines, eventually flying A380s for Emirates. He transitioned back into finance by obtaining his LIBF Level 3 CeMap qualification and advising on mortgages. He joined Hoxton Capital to be part of their expanding team and brings with him years of diverse experience.

Daniella Romano Mortgage Paraplanner

Daniella has been working in the finance industry for 3 and a half years, assisting clients in understanding their mortgage requirements and providing administrative support for the specialist mortgage broker.

What types of lending can we help with?

Owner Occupier
Mortgages

Whether you are buying your first property, moving to a bigger house or downsizing to your dream home for retirement we will source and secure the most suitable, cost effective and sustainably affordable finance, following thorough assessment of your needs and circumstances. Being Directly Authorised in the UK allows us to source from the whole of the market in search for the best mortgage for you. If you are an Expat and buying a home for your family in the UK, there may be fewer solutions, however our expertise in Expat lending will help you to achieve this goal.

Investment property
Mortgages

We source and arrange mortgages for first time investors as well as professional property portfolio landlords for properties in England, Scotland and Wales. We are able to secure lending on a vast array of investment types, be it a house of multiple occupation (HMO), a freehold building with 2 or more separate self-contained flats. (MUB), a holiday home or a single self-contained unit (House or a flat) or development/refurbishment project. Whether you invest in a property as an individual or through a LTD/LLP/BVI, there are lenders to cater for your lending needs. Our team works closely with Hoxton Property on their newly built fleet of properties ready to be let in UK hot spots and have a good knowledge of this market and lender appetite in this sector.

Bridge Finance and Second charge secured lending

Bridge finance is a short term finance that is traditionally used to fund a purchase with constricted timeline. Auction properties, heavy reimbursement projects, inability to secure a traditional mortgage temporarily, requirement to complete on the purchase faster than its possible with a traditional mortgage are all example scenarios when bridge finance is being used. You have to have a clear existing strategy before entering into a bridge contract as this type of lending is expensive and offered for 12-24 months.

Commercial and semi-commercial mortgages

If you are planning to invest in or fund a home for your business in the UK instead of leasing, we work with a number of reputable commercial lending brokers. Commercial lending is very bespoke and requires unique underwriting, speak to us about your needs for pricing.

Overseas property mortgages

We have access to overseas mortgage specialist and can assist you with purchasing your dream sunny holiday home, by referral only at this time.

High Net lending

We can assist higher ticket home purchasers and clients nearing retirement with substantial pension pots to buy your dream home. Please inquire for further details.

What does the application process look like?

Instruction to proceed
Once you are clear on the options available to you and are ready to proceed, its time to formally instruct your Adviser. At this stage we will issue the Terms of Business for signature and provide a list of the required documents to support your application.
Finalise fact find
Our paraplanner will check over the Fact Find with you and record the remaning details (like your solicitors, accountant, employers contact details, direct debit details etc). They will also check over the documents for your application making sure the application is packaged correctly.
Application submitted
Your adviser will check the market again to make sure you still get the most suitable deal, before processing the application. They will also send off your documents to support the application. Its a good time to instruct your solicitors.
Underwriting
This process may vary from lender to lender but in a nutshell it boils down to the same essentials: Lender`s underwiters will assess your applciation, run some background checks and review your documents. They will make a decision on your applcation subject to the valuation. It can go back and fro until they are fully satisfied with your creditworthiness, ability to carry on paying your mortgage for the entire term and the source of your income and wealth.
Valuation instructed
Valuation of the property will be instructed to a trusted panel of valuers who will be in touch with your contact of access to the property to book a mutually suitable date for the valuation to take place. Valuer will confirm the existance of property, its market value with comparables and point out any potential (if any) issues with the structure/condition etc. They will provide the lender with their report.
Offer
Underwriter will review the case as a whole armoured with the valuation report. Providing all is in order a formal offer will be made, which will be sent to you, your conveyancer and the broker. Please make sure to review and ask your broker to clarify any points you are not clear on.
Legal work finalised
Conveyancing should be full steam ahead at this point with your legal case worker applying for searches, enquiring from the other side any outstanding points and drafting the contract.
Exchange
At this stage you, the buyer will pay a deposit that will be held with your solicitors/conveyancer and the sale/purchase contract becomes legally binding on both you and the seller.
Completion
The date of completion is set at the exchange of contract stage. Legal completion takes place typically within 1-4 weeks after paying your deposit and committing to the purchase. Today is the day you get your key and become a legal property owner! Your mortgage payments will be calculated from today as well. Time to celebrate!

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Disclaimer

No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.

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