Mortgage Services
First Time Buyers
Buying your first property can be a daunting experience. With so many mortgage and insurance options available, it is best to seek independent advice.
We pride ourselves in providing clear advice, guiding you throughout the entire process. Being able to consider the mortgage market, and on occasion receiving deals that other brokers can't access and that you may not be able to obtain going direct to the lender, we can provide exceptional recommendations.
We can advise how much you can borrow, the minimum deposit required, the cost of moving, the legal process, government schemes, the best ways within which to repay your mortgage and how much it will cost each month. With handy tips surrounding viewing property, the negotiation process and how to reduce the cost of your mortgage, to sales progressing after the mortgage offer is received, we hold your hand from start to finish.
We won't stop there...in addition to the mortgage it is important that we discuss protection insurance to ensure that once you are in your home you are able to stay in it, should the worse happen.
We make it simple.
Moving Home
If you’re contemplating a house move it can be difficult to know where to start.
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How much is my home worth now?
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What are the costs involved?
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How much can I borrow?
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What will the monthly mortgage payments be?
We welcome your call to be able to provide you with a full advice and recommendation service. We can answer all your questions and put your mind at rest making the process clear and simple.
We can consider thousands of mortgage and insurance products to find the right deal for you based on your needs and circumstances.
We can assist with porting your mortgage (taking the mortgage from your current home and putting it on another) too.
We will also review your existing protection insurance policies to make sure that they are still suitable for your needs, providing advice and recommendations where necessary.
We pride ourselves in providing an exceptional service.
Re-Mortgage
Are you currently paying Standard Variable Rate (SVR)? Are you coming to the end of your fixed period deal?
When your fixed deal comes to an end you will bounce to SVR which may be considerably higher than the rate you are currently paying.
We can assist you with your re-mortgage up to 6 months in advance of your current deal ending. This means that you can secure a product earlier than when your re-mortgage is due. Don't worry, the new product will come into effect after your current deal ends, ie, after the early repayment charge no longer applies. The ability to secure a product which may have a better rate at an earlier stage in the process could potentially save you money!
We are also able to assist you with securing another deal with your current lender (product transfer) if this is considered the best way forward after assessing your circumstances.
In addition we can help with raising capital i.e, extra funds for home improvements, wedding costs, debt consolidation etc (further advance).
We pride ourselves in providing tailor made advice and guiding you throughout the entire process, from start to finish.
We won't stop there...we offer a free financial review of your protection insurance to ensure that it is still suitable for your needs.
We look forward to your call.