A mortgage is possibly the biggest financial commitment most people make and with so many mortgage products to choose from we feel it is vitally important to obtain appropriate advice. As independent advisers we are able to search the whole mortgage lending market in order to find competitive products best suited to individual personal and financial circumstances.
We offer advice to first time buyers, home movers, but to let mortgages and borrowers wishing to review their remortgage options – here are some points to consider:
- It is worth checking your credit profile
- How much can you borrow
- What deposit do you have, including Help to Buy ISAs or Lifetime ISAs
- A Help to Buy Scheme for new builds is worth considering and there are some Shared Ownership Schemes available.
There are many types of mortgage products on the market and here are some, fixed, tracker, discounted, capped and more….where we give advice on each one.
In addition, for those aged 55 and above, we offer a comprehensive range of products from across the equity release market.
Our clients choose how we are paid for advising and arranging mortgages. In most cases we can accept commission from the lender, with the possibility of no fees payable by the client.
Finally, we adhere to strict Financial Conduct Authority (FCA) regulations and guidelines which require us to take full account of our clients risk profile and affordability when advising and arranging mortgages.