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Richard Alton
Lived in Maidenhead
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A record number of families are remortgaging property
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Five year fixed rates are rising, but you can still get a cheap fixed rate mortgage.
Five year fixed rates have reached the lowest rate, but now they are rising. However, rates are still very cheap compared to historic rates. Act now.
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Clampdown on Help to Buy mortgages. There is a clampdown on Help to Buy mortgages, and the Bank of England are ready to take action to halt the house bubble that’s being created as a result.  
There is a clampdown on Help to Buy mortgages, and the Bank of England are ready to take action to halt the house bubble that's being created as a result.
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A busy 2014 first quarter for mortgage lending - it's now busier than ever!
Mortgage lending in the first quarter of 2014 has been busier than ever, with a 43 per cent increase in the year to February, with first time buyers taking the lions share of the market.
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Most young first time buyers want to buy a place but can’t either due to their income or don’t have any deposit monies
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Will my student loan debt affect my mortgage application? As a whole of market mortgage broker for the last 10 years I can tell you the rules of applying for a mortgage is very simple you take income, you take account of whether there are any children, then you make a deduction for any personal credit, car cars and student debt. You then work out if the mortgage is affordable and go to the bank that has the lowest rate.
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Is Help to Buy pushing up London house prices? I don’t know why the media is so keen on saying help to buy is pushing up prices in the capital as only 5% of properties are bought this way.
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Applying for a mortgage? Be careful what you spend – your habits will now be scrutinised. The new Mortgage Market Review rules are most certainly grabbing the headlines, the key thing we are being told by clients is that banks are making clients wait up to 2 weeks of their first appointment and be prepared for a 3 hour meeting, to me this shows the vast experience difference between a whole of market mortgage broker who has been doing the job for 10 years and a recently trained bank sales person.
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New residential mortgage regime comes into force with scrutiny over homebuyer’s spending habits
Residential mortgages - New Mortgage Market Review (MMR) rules have finally come in to ban interest only mortgages and make sure all mortgages have affordability.
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The property market 2014 – Is there a property bubble forming in London and beyond?
 http://www.independent-mortgageadvisor.co.uk/the-property-market-2014/
As a whole of market mortgage broker, something that is becoming increasing clear in the first quarter was that there wasn’t enough property going on the market which means that people were literally jumping on property as soon as it hit the market. Queues formed for viewings and we had blind bids - it's very much a sellers’ market.
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Introduction

I’m Richard Alton and I run Alton Mortgages in Maidenhead. I’m a Whole of Market Mortgage Broker and believe that exceptional customer service is essential in everything we do. We’ve been operating for seven years and in that time we have recognized that our clients are individuals with very unique requirements and our services reflect this.

We work closely with many individuals and families to provide them with an exceptional mortgage service, whether purchasing their first home, extending their buy-to-let portfolio or re-mortgaging an existing property.

We have access to lenders that you can’t find by simply walking down the High Street and offer a fast, hassle free individual assessment whether you want a residential, commercial or buy-to-let mortgage. We will walk you through the entire application process ensuring that your mortgage offer is returned as soon as possible. We also offer advice on Insurance policies, whether this is for Life Cover, Critical Illness, Income Protection or Buildings & Insurance

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