Mortgages & Re-Mortgages
When advising on your mortgage needs our priorities are to ensure any mortgage borrowing is affordable, will be repaid ‘on time’ and is protected along the way.
With the mortgage market to choose from, our specialist team of advisers provide expert advice whether you’re:
- Buying for the first time.
- Moving or improving.
- Re-mortgaging.
- Investing in ‘buy to let’ property.
- Re-structuring as part of a divorce.
- Borrowing for business purposes.
Our primary objective is ensuring any mortgage borrowing is affordable now, and whatever your circumstances in the future. This is our commitment to you when first arranging your mortgage and then into the future as we revisit your circumstances as we aim to secure competitive borrowing at each review.
Buying for the first time
Being handed the keys to our first home is one of the best moments in life! We’ll guide you throughout the process to make sure it’s the unforgettable memory we all want.
Our advice covers all aspects of the buying process, including:
- Negotiating the best purchase price.
- The source and size of deposit required.
- Maximum borrowing and affordability.
- The buying process and legal issues.
- Any associated insurances.
For a very brief introduction and answers to your questions, please just ask . . .
Moving, or improving
Whether moving to a new property or re-financing to extend and improve your existing home, we’ll work together with you to find the most suitable mortgage available. With access to literally hundreds of products and lenders across the mortgage marketplace, you can be confident we’ll be able to satisfy your needs and objectives.
You focus on the property and your plans – we’ll concentrate on how best secure the finance . . .
Re-mortgaging
Typically, we’ll re-mortgage when looking to secure a better rate and lower monthly repayments – a cheaper mortgage! Alternatively, we might re-mortgage to borrow extra money to do other things. Whatever the reason, access to the mortgage market means all mortgage types are available, including:
- Fixed rates.
- Discounted.
- Trackers.
Seeking a cheaper mortgage at each review is what we do . . .
Investing in ‘buy to let’ property
Again, with the mortgage market to choose from our advisers have the knowledge and experience to advise you on financing your investment. Whether your intention is to create rental income and / or long-term growth in property value, we can help achieve your objectives.
Our specialist advisers will work with you to develop a business plan to ensure you’ve balanced the benefits of investing in property with the potential downsides and risks. And whether investing for the first-time or adding to / restructuring a larger portfolio, our advisers will assist in the initial and on-going finance of your property.
Investing for the first time, or a professional landlord . . call us for expert advice . . .
Restructuring as part of a divorce
Our advisers are very much aware of the sensitivities involved at the time of a divorce and our experience enables us to get to the root of the issues in a timely and efficient manner. As always, with the mortgage market to choose from we’ll consider all alternatives to secure the possible outcome from what is often, a difficult situation.
Commercial lending for business purposes
We have access to a panel of master brokers with expert knowledge of the marketplace and lending sources appropriate to your business needs.
Whilst facilitating an introduction to these specialists, our role continues with advice relating to the protection of your borrowing and the wider needs of your business.
We’d be delighted to introduce you to experts in this area . . .
Please be aware:
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Commercial mortgages are by referral only.
The other risks we might consider are all insurance related, including the risk of repayments becoming unaffordable due to death, illness or redundancy. And other generally insured risks against fire, theft or damage to the property and contents.
Our top tip...
The age of first time buyers is increasing.
The average age of first time buyers is 32 for regions outside London (36 in London) [1].
Source:
[1] Statista.com – statistics – average age first time buyers – July 2020