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Please be aware
Your home may be repossessed if you do not keep up repayments on
your mortgage
Reliable, jargon free and truly independent mortgage advice....at
your disposal.......
A mortgage is probably the biggest financial undertaking any of
us will ever make.It can be a very daunting affair with so many
different places to go and mortgages to choose from. You will want
to be guided by professionals who really care about you and the
choices you make.
That is why we call ourselves Mortgage and Financial Guidance. There
is so much choice, over 1,000 of deals on offer, to pick the most
suitable to your individual circumstances is very difficult- and
we are here to help!
We will guide you through the ‘mortgage maze’ and help
you find out which one is most appropriate, given your personal
and financial situation,your plans and aspirations,your attitude
to risk and lots of other factors.We will see you face to face and
always provide a written report for your information and reference.
It is essential that you research the market place and do not take
the first mortgage that comes along. We invite you to use the services
of an independent mortgage consultant, who does not work for only
one bank or financial organisation, but acts on your behalf to source all the lenders and get you, the client, the best
and most competitive mortgage rate.
Here is some information
to prompt your discussions with our team...there is just so
much information we welcome the chance to speak to you face
to face
First Time Buyers- Tips and
Hints for a smooth purchase
Are you feeling overwhelmed? Do you need direction and help
with the purchase of your first property.
- Research the mortgage market- there are many deals to
choose from
- Seek independent mortgage advice- ask a professional
for their help and guidance
- Make sure that you speak to someone who helps you understand
the process- never be afraid to ask for clarification
- Be realistic- don’t try to borrow more than you
can afford. A good mortgage professional will help you complete
an income and expenditure to ascertain your ability to repay
- Always ask questions,make the most of the opportunity
to understand exactly what you are getting involved with
- Don’t forget, it doesn’t just stop at getting
a mortgage- you need to look at house and contents insurance,protection
for the loan and other ancilliary products. All within your
affordability and with your long term goals in mind!!
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Frequently asked questions..
Here are some questions our team have answered for our clients....
- What is a guarantor mortgage ?
- Are there special mortgages for graduates or professionals?
- Can I get a 100% loan ?
- What is an ERC ?
- What is the difference between Interest Only and Repayment? Explain about Share Equity Schemes
- What if I can’t pay my mortgage?
Sounds familiar? Please call us to clarify your
concerns - that’s what we are here for.
Moving
up the ladder or re-mortgaging. Need to get a better deal!
Regardless of what mortgage needs you have, it is important
to establish up front what mortgage type you require, how
long you want to take the mortgage out for and what your long
term goals and aspirations are.
Here are some quick tips to help your search.
Are you ready to Remortgage ?
The chances are you are remortgaging because you're coming
to the end of your current mortgage deal and looking for another
one.
You may be able to save money , plus you:
- can choose a deal with no legal or valuation fees
- can choose a fixed or discounted variable mortgage
- can choose to pay off capital and interest, interest only,
or a combination of both
- can review your protection arrangements at the same time
Early repayment charge and arrangement fees may apply. We
can guide you and give you the relevant information you require
to make the correct choice.
Are
you moving home ?
- Is your more portable?
- Do you want to increase your borrowing?
- Need to obtain a more competitive rate than your existing
lender?
Please call our team who specialise in this type of work.
We will give you expert, impartial advice in all aspects of
your new house move. |
Buy
to Let / Investment Mortgages
Just a few questions to prompt discussions with the team
at Mortgage and Financial Guidance......
It has been said that ‘ being a landlord is not just
about owning property. A landlord is a businessman, his let
is a business venture and his objective is to run an efficient
and profitable service.’Before taking the first steps
into owning second or investment property there are some questions
to ask :
Firstly, the investment potential of the purchase.ie Is this
a viable proposition and worth the money being paid for it
?
Secondly, the risks involved.ie What happens if there is
no tenant? What happens if the tenant defaults?
Thirdly, your own personal skills and capabilities. Do you
have the time to manage this venture or will you have to pay
another professional to manage it?
And finally. who do you deal with in respect of obtaining
the best ‘ buy to let’ rates to help make this
a profitable and rewarding experience.
We are here to answer your questions and help set your mind
at ease.
The Financial Services Authority does not regulate most Buy
to Let mortgages
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Secured
Loans
The FSA does not regulate personal and unsecured loans.
We are dedicated to providing a professional service
to those of our clients who need a secured loan for any of the following
:
- Consolidating Debts
- Raising cash for home improvements
A secured loan is not for everyone, and we want to make sure before
you take on this type of committment, that it absolutely meets your
needs. There are certain criteria that clients who are looking at
this form of raising finance must be aware of.
- Debt consolidation may result in an increase in the total cost
of borrowing and / or extention of the repayment period.
- You are obviously required to be a homeowner
You can borrow anything from £5,000 to £250,000 - for
any legal purpose. We can help those clients who have had credit
issues in the past - just give us the opportunity to discuss your
case on an individual basis - one size does not fit all... and there
may be other products that will help your situation.
Don't forget : We are independant and have at our disposal the
services of several secured loan brokerages. This means we make
life easy for you by allowing our associates to shop around for
hte best possible deal for you.
NB
Typical variable rate is 12.9% APR. We ask you to think carefully
before securing other debts against your home. Your home may be
repossessed if you do not keep up repayments on a mortgage or any
other debt secured on it.
Call us to discuss your requirements on : 028 9042 6880
There will be a fee for mortgage advice. The amount will depend on your circumstances. Our typical fees are for Self build mortgages is £800, Standard Purchase and Remortgage £150 and No Fee for First Time Buyers
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