Are you
looking for
a mortgage?

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There are thousands of deals to choose from. Rather than searching the whole mortgage market yourself to find the best one and then arranging it, have you ever considered going to a mortgage adviser who can do it all for you?

  • We search our comprehensive panel of lenders for a product that best suits your needs.
  • We aim to take the hassle out of arranging a mortgage.
  • We guide you through the mortgage process and aim to make it as straight forward as possible.
If you are unsure of the house buying process it can be daunting as there are many stages involved and it can sometimes seem quite complicated. Gaskells aim to guide you through the process and provide support every step of the way.

Mortgages for First Time Buyers

There are many things you need to consider when you buy your first home. You need to work out how much you can afford to borrow before you start looking for a property. This will depend on whether you have a deposit, how much you earn and whether you are buying with someone else. Gaskells will help you work out how much you can afford to borrow.

There are many costs involved in buying your first home, for example, conveyancing fees and stamp duty (depending on the price and location of the property). Gaskells will clearly explain the costs involved in getting your first mortgage and buying a property and explain why it is important to have a budget for when you move into your new home.

There are many things you need to consider when buying your first home.

  • We aim to help you work out how much you can afford to borrow.
  • We will explain the costs involved and why it's important to have a budget for when you move in.
  • We aim to provide support through every step of the house buying process.

Buy to Let Mortgages

In the same way that shares can provide both income (dividends) and capital appreciation, investment properties can provide income by way of rental yield and capital appreciation (value of house) increases. However just like stocks & shares, the value of your property can go down as well as up and a rental void (unable to find a tenant) can put a strain on cash flow.

Many people have invested in the property market over recent years perhaps encouraged by increasing house prices and what may have been seen as low interest rates on specifically designed buy-to-let mortgages.

So if you decide to invest in the property market, we believe it is important that you do your homework. Gaskells can offer advice and guidance how best to achieve this as we have been very involved in the buy-to-let market for many years.

We consider it vital that you research the local rental market to investigate the types of properties that are in demand, the best location for your rental property and how much rent you are likely to get as this will affect how much you can borrow.

We believe another golden rule is to treat it as a business venture and accurate budgeting is an essential part of the process.

Also factored into your budgeting should be the tax implications of your potential investment.

  • A buy-to-let property has become a popular way to invest money
  • We believe it is very important to do your homework before buying a property to rent out
  • We consider it vital that you research the local rental market and treat it as a business venture
  • Plan for gaps and anticipate problems
  • Consider the tax implications
  • Many lenders offer buy-to-let mortgages


If you are an existing homeowner, there are many reasons why you may want to remortgage. These may include trying to get a lower mortgage rate than the one you are paying now or simply to borrow more money, for instance, to fund home improvements.

There are costs involved in remortgaging, however, some lenders now offer special remortgage packages where some of the costs are met by the lender, for example, valuation fee and conveyancing costs, so it may be possible to keep initial expenditure down.

  • There are many reasons why you may want to remortgage
  • There are costs associated with remortgaging
  • Some lenders offer special remortgage packages designed to reduce costs such as valuation fee and conveyancing costs

Gaskells can provide advice on remortgage deals available from our comprehensive panel of lenders and aim to reduce the hassle that can sometimes be involved when remortgaging. We search for the most appropriate product, deal with the relevant paperwork and administration and provide you with regular updates.

What our clients say

"Fantastic and professional service will recommend to all my friends"

Trevor Jones, Haywards Heath

Get in touch. Call us on 01273 248929 for a chat