Mortgage Service
Since 1976, we have worked with clients to help them to get full control of their financial future and provide impartial advice to assist them in making sensible financial decisions. We don’t overcomplicate the process with industry jargon. We simply tell it like it is and present your options in a clear and straight-forward manner. As independent mortgage advisors, we also have access to financial products from across the marketplace, ensuring the solutions we recommend are tailored to your individual financial needs and goals. We are here to help you achieve your financial goals and will always work on your behalf. We have made an agreement with your employer which means we can offer you mortgage advice without charging you a fee. We can help you find a mortgage or re-mortgage. We will fully assess your current financial situation and understand your financial goals before offering you independent advice on a range of mortgage products from across the market.
As you know, borrowing money from a financial institution involves a legal contract whereby you are required to pay back the amount borrowed by a specified time, with interest. Some of the most common types of borrowing include loans and mortgages. Failure to pay back the amount owed by the specified date can have serious financial repercussions.
We believe in responsible borrowing. This ensures that you are never financially compromised or face future financial difficulties if unexpected circumstances arise, which they often do. We can help you find a mortgage or re-mortgage. . We will fully assess your current financial situation and understand your financial goals before offering you independent advice on a range of mortgage products from across the market.
Residential mortgages
A mortgage is the single biggest financial loan many people will ever take. However, for those looking to take their first step on the property ladder, the hundreds of mortgages options can be daunting. Even for those looking to re-mortgage, there are a myriad of options available. We will discuss your options and provide you with the information you need to make the best decision for your financial circumstances.
Buy-to-Let
A volatile stock market and low interest rates on savings accounts has led to an increase in people investing in second homes to rent out. Buying a second home as an investment option will require a buy-to-let mortgage. Becoming a landlord will mean that you need to understand your income tax and capital gains tax liabilities. We can advise on all aspects of buying a second home and the options for buy-to-let mortgages.
Equity Release
“Equity” in your home is the difference between the value of your property and the balance of any debt that is secured on your property, such as a mortgage. Equity release is a term for a range of financial products designed to help you turn the equity you have in your property into money you can use immediately. There are many types of Equity Release options and we can guide you to find the best option for your own individual needs.