Mortgages
Your property may be repossessed if you do not keep up repayments on your mortgage.
We will act on your behalf, representing your best interests, to establish the most appropriate mortgage solution for you and will liaise with your solicitors, your surveyors and your estate agents to ensure a smooth and stress-free transaction.
We offer an efficient, no obligation service, with guidance on how best to acquire your new home or investment property (please note that most Buy to Let mortgages are not regulated by the Financial Conduct Authority). We can also manage your re-mortgage requirements when the time is right to change. Our aim is to help you through the process and to avoid unnecessary expense and frustrations.
See what our clients have to say about how we have helped with their mortgage requirements: Our Google Reviews
We will act on your behalf, representing your best interests, to establish the most appropriate mortgage solution for you and will liaise with your solicitors, your surveyors and your estate agents to ensure a smooth and stress-free transaction.
We offer an efficient, no obligation service, with guidance on how best to acquire your new home or investment property (please note that most Buy to Let mortgages are not regulated by the Financial Conduct Authority). We can also manage your re-mortgage requirements when the time is right to change. Our aim is to help you through the process and to avoid unnecessary expense and frustrations.
See what our clients have to say about how we have helped with their mortgage requirements: Our Google Reviews
Lifetime Mortgages
A lifetime mortgage (sometimes referred to as an Equity Release) is a mortgage that does not have to be repaid until the borrower dies or goes into full-time care.
It allows you to release some of the equity in your home without having to sell the property, freeing up capital which may be used to enhance your income or lifestyle in retirement, make gifts or repay outstanding mortgage liabilities at the end of their term.
To be eligible for a lifetime mortgage you must be at least 55 years old.
Our experienced mortgage advisers will complete a comprehensive discovery meeting with you to assess whether this is suitable for your circumstances.
A lifetime mortgage (sometimes referred to as an Equity Release) is a mortgage that does not have to be repaid until the borrower dies or goes into full-time care.
It allows you to release some of the equity in your home without having to sell the property, freeing up capital which may be used to enhance your income or lifestyle in retirement, make gifts or repay outstanding mortgage liabilities at the end of their term.
To be eligible for a lifetime mortgage you must be at least 55 years old.
Our experienced mortgage advisers will complete a comprehensive discovery meeting with you to assess whether this is suitable for your circumstances.
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This may be a referral service.
