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Godiva Mortgages FAQ
Who are Godiva Mortgages?
Godiva Mortgages is a provider of residential and buy-to-let mortgages. These allow people to borrow in order to purchase properties for a number of purposes.
What is the difference between buy-to-let and residential?
Godiva Mortgages offer products such as buy-to-let and residential mortgages. Buy-to-let is an option for people wishing to buy properties in order to rent them out to tenants. Residential mortgages are for house hunters looking for a place to live.
How does loan-to-value work?
Loan to value (LTV) is a ratio measuring the value of a loan against the value of the property itself. Providers such as Godiva Mortgages offer a variety of LTVs for mortgages.
What does an LTV of 80% or lower mean?
An LTV of 80% or lower implies that 80% or less of the value of the property you wish to buy is paid off by your mortgage, while the remaining share is paid out of your own pocket in the form of a deposit. The lower the LTV, the less risk it entails for a provider, meaning interest on loan repayments will be lower.
What is the usual Godiva Mortgages mortgage term limit?
Mortgage term limits vary from provider to provider, but lenders such as Godiva Mortgages can usually offer loans that extend many years or even decades into the future. This means you can borrow to buy a property and expect monthly mortgage repayments over a long period of time.
What happens if I fail to pay my Godiva Mortgages repayment?
Your credit rating will be negatively impacted by failure to repay on a mortgage from any provider, including Godiva Mortgages. You will be viewed as a higher risk to all lenders for some time and could even lose your home in order to repay the debts you owe if you default.
What’s required to secure a mortgage?
In order to secure a mortgage from Godiva Mortgages, you may have to present some documentation such as utility bills, payslips and bank statements, as well as forms of identification. These all help a provider piece together your financial history and help prove your identity during any loan application.
Do you need to be in work to get a mortgage?
Some providers may require you to have been in employment for at least three to six months, but this depends on the provider’s specific criteria. As long as you are financially solvent and have ample documentation to prove it, acquiring a Godiva Mortgages mortgage should be possible.
What’s the best credit score for getting a mortgage?
There is no minimum credit score required to buy a home in the UK, but providers will typically prefer to lend to borrowers with high credit scores, as this greatly mitigates risk. Lower credit scores may limit the types of mortgage they will be willing to offer, and those left available to you may come with higher levels of interest to compensate for the higher risk to the provider. Please note credit score criteria and measurements differ from provider to provider.
Services offered by this provider may change over time. Always check Ts&Cs.