Mortgages

Remortgaging presents numerous advantages, particularly the potential to decrease your monthly payments. While the primary benefit may be financial savings, a new mortgage agreement can also provide additional advantages, such as increased flexibility in repayment options and potentially lower interest rates.

We are committed to understanding your specific requirements, thoroughly researching all available deals in the market, and guiding you through your choices. Our goal is to alleviate the stress associated with remortgaging and to expertly navigate the market on your behalf, ensuring you secure the most advantageous deal tailored to your needs, thereby maximizing your financial benefits.

Our advisers have access to mortgage options that are not accessible to the general public through traditional retail channels or online platforms. We dedicate time to thoroughly evaluate your individual situation, taking into account factors such as affordability, the most appropriate mortgage term and type for your needs, as well as any anticipated changes in your circumstances. Our consultants will conduct a comprehensive market analysis to align your requirements with the various qualifying criteria and product alternatives available.

Self Build Mortgage

Self build mortgages can present various complexities and challenges; however, we are committed to ensuring that you receive the appropriate guidance and the most suitable mortgage tailored to your requirements. Our expertise encompasses interactions with builders, solicitors, and architects within this specialised field. Even if you lack prior experience in construction, we will assist you in realising your vision of a dream home from the foundations up.

Embarking on the journey of building your own home can be both exhilarating and transformative for you and your family. We take great pride in offering you reliable financial advice to help you select the optimal mortgage that aligns with your needs.

First Time Buyer

Buying a house is often a complex and confusing process, whether you have been through the process before or not. And if you’re buying a property for the first time, it can feel even more daunting. Let us help with all your first time buyer mortgage questions.This is where we come in. We know that getting the right mortgage deal first time around is vital for your financial future.

As a first-time buyer, our independent mortgage advisors will guide you through the entire process in a systematic manner.

• They will clarify your mortgage options in clear, accessible language and assist you in determining the most suitable path forward.
  Establish a budget for your initial home purchase and determining the necessary deposit amount.
• If you have already established your budget and identified a potential home, they will verify the required deposit and assess whether your savings are sufficient.
• Our advisors will facilitate a clear process to help you understand the amount you can borrow comfortably.
• Share with you how your credit score may influence your ability to obtain a mortgage.

Our expertise is at your service. We understand that securing the appropriate mortgage arrangement from the outset is crucial for your financial well-being. Therefore, we will identify the ideal product for you, ensuring that your initial home purchase is not only financially manageable but also safeguarded through insurance coverage, thereby minimising the risk of losing your home due to unforeseen circumstances such as illness or injury.

Self Employed

Worried you won’t be able to buy a house because you’re self-employed?

We collaborate with lenders who are willing to engage with freelancers, contractors, and self-employed individuals. These lenders consider a wider perspective on your financial situation, beyond just your accountant’s evaluation. Concentrate on expanding your business empire while we alleviate the burdens of the mortgage process by managing everything on your behalf.

Buy to Let

Securing a mortgage can be a complex process, particularly when seeking specialised options such as a self-build mortgage, holiday let, buy-to-let, or bridging loan. These types of mortgages are typically more intricate and may require a significant investment of time. A residential mortgage differs from a buy-to-let mortgage, and there are numerous regulations that must be adhered to. Failure to comply with these regulations may result in incurring higher interest payments than required, potentially costing you thousands throughout the duration of your loan.

Investing in buy-to-let property can be a significant component of your financial strategy and future investment plans. If this aligns with your goals, we encourage you to consult with our independent advisers to secure the most suitable mortgage for your prospective investment property. Obtaining the optimal mortgage is crucial for maximizing the returns on your buy-to-let venture. Our advisers will conduct a comprehensive evaluation of your situation and align it with the best available mortgage products.

Just as with other borrowers, buy-to-let investors have access to a variety of mortgage options, making it essential to select the right product tailored to your specific needs. They will also guide you on how to safeguard both yourself and your property from unexpected events and will oversee your mortgage application process from initiation to completion. Our advisers have access to exclusive mortgage products that are not available to the general public, which may be the ideal solution for you.

Moving Home

When considering a move to a new home, you face two distinct choices regarding your mortgage: you can either maintain your current mortgage through porting or pursue a new mortgage arrangement.

• Should you choose to keep your existing mortgage while relocating, it is important to communicate your new address to your lender. They will evaluate their ability to service your mortgage at the new location and provide you with the relevant pricing information.
• Conversely, if you opt to find a new mortgage, it is essential to compare the various rates and offers that are available. This will help you to secure the best possible deal for your financial needs.

During the process of moving, our independent mortgage advisers will evaluate all potential options for your new mortgage, including any portability provisions that may apply to your existing mortgage. If you are looking to upgrade your property and require a larger mortgage, or if you are downsizing and need to reduce your mortgage, our advisers will ensure you are well-informed about all available choices in the market, including both upfront and ongoing expenses. Furthermore, our independent mortgage advisers will review your current protection plans to confirm their continued appropriateness. Should your existing protection be deemed inadequate, our advisers will provide independent, comprehensive market advice to help fill any gaps.