Mortgages

With extensive product knowledge, experience and access to the whole market, we are well placed to help you find the very best mortgage, whatever your requirements. From first time buyers to buy to let investors, we have the expertise to make sure you get the most cost-effective solution possible.

Choosing the right mortgage product has become even more complicated recently, with lenders increasing interest rates and tightening criteria in a bid to reduce their risk. This makes choosing the right mortgage for your needs even more important.

The main areas we cover include purchasing a new property, first time buyers, re-mortgaging, buy-to-let, let-to-buy, second homes and equity release as well as many others depending on your specific needs.

Mortgages

Whole of market

The sales people at banks, other lenders and most estate agents are just that, sales people. They can only sell you the products of their bank or a limited panel. Independent financial advisers can access the whole market.

As whole of market mortgage advisers we use sophisticated software to search the entire market for the very best deal for you and your needs – the research that we pay for is far more sophisticated than that available on the internet.

Mortgages

Equity release

Moving house can be an expensive and stressful process at any age. Many people would prefer to stay put and benefit from the value tied up in their homes, and equity release schemes allow them to do that. An Equity release mortgage is a great way of extracting physical cash from the value of your home when you need it most, without having to move out of it.

With many types of schemes available, including those that pay lump sums, provide an income or a combination of the two, more and more people are using equity release to help enjoy a comfortable retirement, pay down debts, boost their income or plan capital expenditure.

However, equity release is not the right solution for everyone, as these schemes are expensive and inflexible and so professional advice is essential. Releasing cash from your home reduces the value of your estate and the amount of inheritance you leave.

Mortgages

Types of mortgage

There are many mortgage types out there and we will help you make sense of your options, and recommend the best solution for you.

Fixed rate mortgages are for those of us who want to be certain of their monthly outgoings and are a good option if you believe that interest rates will rise. They are protected from interest rate fluctuations for the length of fixed rate period, usually two, three or five years.

Tracker mortgages track the Bank of England base rate and are dependent on its fluctuations. If it drops you pay less, increases you pay more.

Offset mortgages allow you to offset any money in your current account against your mortgage, so you only pay interest on the difference. As the savings for offset mortgages aren’t currently taxed, this can be an efficient way for high-rate tax payers to utilise their money.

Get in touch today to discover how we can find the ideal mortgage solution for you.

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