Mortgages:
Finding The Right Mortgage Is Becoming Increasingly Complex
Whether you are purchasing your first home, moving house, remortgaging an existing property or investing in Buy to Let property, choosing the right mortgage can be challenging.
With hundreds of mortgage products available and lenders continually changing their criteria, it is often difficult to know which lender is most likely to accept your application and provide the most suitable solution for your circumstances.
Many people focus purely on interest rates. However, factors such as lender criteria, fees, flexibility, overpayment facilities, future plans and affordability assessments can often be equally important.
Questions You May Be Asking Yourself
- How much can I borrow?
- Which lender is most suitable for my circumstances?
- Should I choose a fixed or variable rate?
- How much deposit do I need?
- Can I obtain a mortgage if I am self-employed?
- What if I have complex income arrangements?
- Is Buy to Let property right for me?
- How can I reduce the overall cost of borrowing?
Choosing the wrong mortgage can prove expensive, both now and in the future.
How We Help You
We begin by taking time to understand your circumstances, objectives and future plans.
This allows us to recommend a mortgage solution that is appropriate not only for your immediate needs but also for your longer-term goals.
We can assist with:
- First Time Buyer Mortgages
- Home Mover Mortgages
- Remortgages
- Buy to Let Mortgages
- Limited Company Buy to Let Mortgages
- Product Transfers
- Self-Employed Applicants
- Complex Income Cases
- Interest Only Mortgages
- Later Life Lending
Once a suitable recommendation has been made, we will guide you through the entire process from application through to completion, liaising with lenders, solicitors and other parties where required.
Mortgage Protection
For most people, their mortgage is their largest financial commitment.
As part of our advice process, we will also help you consider how your mortgage payments could be maintained should you suffer illness, injury or death.
This may involve reviewing:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Protection Arrangements
Our Aim
Our aim is simple.
To help you secure the most suitable mortgage for your circumstances whilst making the process as straightforward and stress-free as possible.
Whether you are buying your first home, moving property, reviewing your existing arrangements or expanding a property portfolio, we are here to help.
Contact Us
Why not contact us for an initial discussion? We make no charge for this and would be pleased to discuss your requirements.
Your home 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.