Mortgages - Finance Planning Wealth Management

Congratulations! You have made your first step towards getting the right mortgage to help you buy your first home, become a buy-to-let landlord or simply find a better deal on your existing mortgage.

Each year we help many people find the most cost-effective and appropriate mortgage deal for their individual financial circumstances, so you’ll find us knowledgeable, approachable and friendly to deal with.

We’ll also explain how we can help you successfully navigate the mortgage market and ensure you get the right deal for your financial circumstances.

Step 1. Meeting

It all starts with an informal meeting where we can get to meet each other and get the process underway.

Let's Go

Step 2. Understanding

Next we will begin the process of understanding your objectives and your mortgage requirements.

Let's Go

Step 3. Recommending

Once we fully understand you and your goals, we will make a recommendation which is tailored to you.

Let's Go

Request a free no obligation quotation

We arrange mortgages from the entire market which often means that we have access to mortgage products not available on the High Street or comparison websites. Our job isn’t over until we have found you the very best deal for your circumstances, request a quote today

A bit about mortgages...

Choosing the right sort of mortgage to meet your needs and circumstances can seem a bit overwhelming. There are many different types to choose from, all meeting the needs of different types of borrowers. Your adviser will be able to help you by explaining what’s on offer, what the key features are, and what type of mortgage best meets your individual circumstances.

A mortgage is a loan made by a bank or building society to enable you to buy a house or other type of property. The length of the mortgage will usually be anything up to 25 years for a standard repayment mortgage. The shorter the term, the more you will repay each month, but you will obviously pay off the mortgage more quickly. Interest-only mortgages can usually be anything up to 40 years. When you sign the mortgage agreement, you are agreeing to give the property as security for the loan.

The amount you borrow is referred to as the capital sum. The lender then charges you interest on the amount you have borrowed. When it comes to monthly repayments, these can be interest and capital, referred to as a repayment mortgage, or just interest, referred to as an interest-only mortgage. In addition, some lenders offer mortgages on a part-repayment and part interest-only basis.

We are here to explain this in detail, please contact us to discuss. In the meantime here’s a selection of terms that you can expect to hear on your mortgage journey.

Remortgaging

If your current mortgage deal is coming to an end, or if you’ve been with your existing lender for a while, this could be a very good time to think about switching to get a better, more cost-effective mortgage deal, and at the same time increase the amount you’re borrowing. In some cases, homeowners can save hundreds of pounds a year by moving their mortgage to a more attractive rate with a different lender. Remortgaging can also work if your property has increased in value and you want to free up some cash from the equity tied up in your home, or if you want to make higher repayments to shorten your mortgage term.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage.

Buying to Let

Rising property values and a booming lettings market has meant that many lenders have developed mortgage deals tailored to the needs of would-be landlords. For investors seeking rental yield or capital growth, property has proved a good investment at a time when returns on other types of asset have been comparatively low.

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Most forms of buy to let mortgage are not regulated by the financial conduct authority.

Repayment Mortgages

Each month, you pay back part of the mortgage capital and the monthly interest. At the outset, most of your monthly payment will be interest; later on, more of your monthly payment will be repaying the capital. At the end of your mortgage term, you will have paid off the entire loan plus the interest.