Mortgages
You are in safe hands
As one of the largest financial commitments that you’ll ever make, a mortgage is an extremely important life decision. Our team are to give mortgage advice as we help you navigate the wide range of mortgage products on the marketplace. From buying your first home, remortgaging your existing one to equity release, our team aid with a range of issues that concern clients and we always personalise our services to your needs.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most buy to let mortgages are not regulated by The Financial Conduct Authority.
How can we help you?
Remortgage
Remortgaging means switching your mortgage to another deal with another lender, without moving home.
First Time Buyers
Buying a home for the first time can be a daunting prospect. There’s so many things to think about – and that’s before you’ve even considered the many mortgage products, rates, and lenders to choose from. To help you reduce the stress, here are our top tips for first-time buyers.
Buy to Let
These mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property.
Commercial Mortgages
If you have ever looked into the world of commercial mortgages, you might well have come away feeling that it is all very confusing. In this article, we are going to take a look at commercial mortgages, helping you to understand what they are and what they’re really about
Buying a Home
House buying can be a stressful and daunting experience. Whether you are buying your first home or are an experienced home mover our specialist team can help make the process easy and stress free.
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Commercial mortgages, most Buy to Let mortgages and some Bridging Finance are not regulated by the Financial Conduct Authority.A Lifetime Mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
We have Advisers based across the UK so get in touch today to arrange your appointment and see how we may be able to help you – we offer virtual and telephone appointments at a time to suit you.