Mortgage Calculator

Welcome to WIS Mortgages

Independent Mortgage and Protection Consultants

Overview

WIS Mortgages was created by Ifthikar Mohamed, a Registered Individual of Blueberry Wealth Ltd. WIS Mortgages was set up to provide mortgage advice to existing clients of its sister company WIS Accountancy Ltd and to secure mortgages based on clients’ individual circumstances. WIS Mortgages now handles its' own contractor clients as well as employed and self employed mortgages and protection clients ,independent of its tax and accountancy roots.

Working alongside tax advisors of our sister company and together with the specialized knowledge and backing of Blueberry Wealth, WIS Mortgages prides itself on fully understanding clients’ needs and matching their own bespoke requirements to the best possible products available.

Why choose WIS Mortgages?

We use state of the art sourcing software, supplied by Blueberry Mortgages, which allows us to select the very best products for all of our clients. Unlike Banks and Building Societies, who only offer their own products, we have access to the whole of market products.

By choosing WIS Mortgages you can be rest assured you will:

  • Secure the best bespoke mortgage structured to your needs
  • Deal with a team that has wealth of experience and get the best advice possible
  • Receive the best rates and in most cases a tax-efficient Insurance Policy to suit your circumstances.

Mortgages Types

Below are some of the mortgage types we cover

First Time Buyers
First Time Buyers
The average age of a first-time buyer in the UK is now 36. There are currently special government backed deals available which can seriously reduce the amount of deposit you will need to put down. After assessing your income and expenditure we calculate how much you can borrow and get your mortgage approved before you make an offer.
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Remortgaging
Remortgaging
This can be done through your current lender or by checking the market for alternative lenders. You could save money by switching to another lender – we will compare the whole mortgage market including High Street lenders and smaller Building Societies to get you a competitive rate.
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Buy To Let Mortgages
Buy To Let Mortgages
Through Blueberry Mortgages we have access to every UK buy-to-let lender many of which will not be on the High Street. Benefits include borrowing up to 85% of the property’s value; No minimum personal income required by some lenders; No requirement to be a home owner; Max age of 75 at point of application; Let to buy mortgages available.
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Credit Repair Mortgages
Credit Repair Mortgages
Blueberry are adverse credit mortgage experts. If you have a less than perfect Credit Score and even a few historical credit issues, this won’t necessarily stop you getting a mortgage. We work with specialist lenders not found on the High Street and smaller building societies who will look beyond your credit score.
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Interest Only Mortgages
Interest Only Mortgages
Interest-only mortgages are still available for loans of up to 50% of the value of the property. You need to have £150,000 equity but an endowment policy is not required. Downsizing or sale of the property can be an acceptable repayment vehicle. Some schemes allow overpayments.
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Product Transfer Mortgages
Product Transfer Mortgages
By choosing a new mortgage product with your current lender, you could avoid unnecessary fees and charges. We will review what your current lender is offering compared to switching to a new lender, we’ll do all the number crunching to make sure you get the best deal.
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Mortgage Calculator

Find out how much a monthly mortgage payment could cost you

             
Repayment Mortgage (£)
 
Interest Only Mortgage (£)
 
Interest Rate (%)
 
Term (years)
     
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Mortgage calculation is an estimate subject to your credit rating.
   

Mortgage protection

Take away your worries, set up a mortgage protection plan today

Mortgage ProtectionMortgage life Assurance is designed to pay off your mortgage balance in the event of your death. This means that should the policy holder die, the policy will pay off the outstanding mortgage balance. If you have a mortgage and financial dependants, you need mortgage life assurance. This type of policy will pay off your remaining mortgage balance in the event of your death.

Should you die during the term of your mortgage, you can’t just assume that your spouse or partner can just carry on making the mortgage payments even if they can afford to do so.

Unless the mortgage was arranged in joint names, the lender could formally demand that the mortgage is repaid.

To find out more please call us on 0203 0111 898.

Refer a friend

Refer a friend

Do you have a friend or colleague who would benefit from our services?

If you have been happy with the service you have received through WIS Mortgages, then why not refer a friend and receive a referral reward of £50 Amazon vouchers for each successful referral that purchases one of our services. A bonus from us – for every third referral we will give you an extra £100!

About us

Ifthikar Mohamed is the principal Mortgage Consultant at WIS Mortgages.

He has the highly regarded accreditations in the Certificate in Mortgage Advice and Practice (CeMAP) and is an Associate of the Chartered Institute of Management Accountants (CIMA).

Ifthikar is backed up with the support from Blueberry Mortgages, an FCA regulated mortgage advisor, which is at the forefront of the mortgage industry. In providing regulated advice to clients, Ifthikar acts as a Registered Individual of Blueberry Mortgages.