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MORTGAGES

More choices
made simple

 

Arranging a mortgage is a big decision for new and experienced buyers alike, and it can be a complex process at times.

We are specialists in helping people navigate the mortgage market and find the best possible deal. Years of industry experience, teamed with completely independent advice, means we can simplify the process from start to finish, and source a mortgage product that’s suitable and affordable for you.

We’re also qualified equity release specialists. This means if you’re over the age of 55 and own your own home, we can advise on the best way to release tax-free cash from your property.

So, whether you’re a first-time buyer or an existing homeowner, remortgaging your home or looking for an investment property, we’re here to make things easy.

How we can help

Access to deals and lenders

As an independent firm with in-depth knowledge of the market, we have access to a wide range of banks and lenders, and can effectively “shop around” for the best possible deal.

Buy to Let investments

If you’re looking to add an investment property to your portfolio, we have access to many specialist Buy to Let purchase and remortgage products and can offer specialist advice.

Equity release

If you’re over the age of 55 and considering equity release, we can provide support with a lifetime mortgage that enables you to release tax-free cash from your home.

Protection

It’s important to look after what’s matters. We can arrange various insurance policies to protect your family and home in the event of unforeseen circumstances.

As a mortgage is secured against your home, your home could be repossessed if you do not keep up the mortgage repayments.

You may have to pay an early repayment charge to your existing lender if you remortgage.

We do not normally charge a fee for our mortgage services as we are usually paid by the lender. However, you have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £500.00. For unusual cases (e.g. complex cases or cases where credit rating is poor) then this fee may be larger but will be agreed before work proceeds.

As a mortgage is secured against your home, your home could be repossessed if you do not keep up the mortgage repayments.

You may have to pay an early repayment charge to your existing lender if you remortgage.

We do not normally charge a fee for our mortgage services as we are usually paid by the lender, however, for more complex cases, after our initial consultation which we offer at our own cost, we may charge an up-front fee of up to £200.00 for initial research and taking the case to a lenders ‘Decision in Principle’ stage. We will also be paid commission which we will retain.

Call us to arrange a review of your mortgage needs.