Mortgage Programs; home loan programs

Home loan and mortgage refinance including home equity loan lines of credit and no doc loans for self employed.

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Mortgage Programs

Mortgage Programs for rate savers

Because you are unique, Mr Mortgage offers many mortgage programs to chose from. These can be tailored to your needs and circumstances. Apply here now for all our mortgage programs

We also have mortgage programs for those with bad credit, including equity home loans.

For our bad credit mortgage program click here now.

For our bad credit equity mortgage program click here

List of Mortgage programs available from Mr Mortgage:

100% mortgage program For first home buyers only.

must have saved 3% towards your cost
Loans up to 100% loan to value ratio.
Very stable job history required.

97 % Loan program For first home buyers only.

must have saved 3% deposit.
Loans up to 97% loan to value ratio.
Use the first home owners grant for your costs.

95% Standard variable Loan For home buyers, investors and refinancing one loan debt only.

Loans up to 95% loan to value ratio.
5% deposit plus your costs required [allow 2-3%]

90% Multiple Loan Consolidation.

consolidation home loan with your high interest car loans, personal loans and credit card debts at home loan rates.
Loans up to 90% loan to value ratio after costs [allow 1-2%].

90/10 Non genuine savings mortgage program

The non genuine savings home loan is for people without the sufficient savings record to qualify for a loan, but can acquire 10% deposit, net of costs, to put to the home.
10% plus costs can come from any source.
Sources of non genuine savings can be:
- Grants.
- Gifts.
- Borrowings from relatives and
- Personal loans.

Equity home loan

use the equity in your home to finance improvements, lifestyle, a business, new car etc.
80% equity loan is usual.
Can do equity loans up to 95%.

Lo doc loans

We can originate lo doc and no doc loan programs for the self employed with no verification of income required. Must have at least 20% equity or deposit.

Bad Credit Loan programs include:

Non Resident loan

20% deposit plus costs to complete [allow 1%]
Only for finance and refinance of residential dwellings
Apply here for a non resident loan program