Mortgages/Remortgages

Buying a property? Need a mortgage or re-mortgage? We have access to all types of mortgages including specialist schemes for First-time Buyers, Buy-to-Lets or Professional and High Net Worth. We also refer Commercial Mortgages and Business Loans to leading High Street Banks as well as specialist lenders and brokers.

Do you have a mortgage, or are you looking for one? Through our market research we source the best and most appropriate mortgage deal for you, tailor-made to your own circumstances. If your existing mortgage deal has come to an end, we can review alternative offers with your existing lender and in the wider market. Some top lenders will allow you to remortgage to them fees free ˆ they pay the survey and legal fees ˆ and save you money with a more competitive rate. You can also take this opportunity to increase your mortgage, for example for home improvements, a second home, or most other purposes.

Equity Release
This specialist mortgage area is set to become increasingly popular as for example clients can choose to remain in their home without the need to down-size or can draw a lump sum or income from the equity in their home, and choose to have interest rolled up. Please contact us for more details.

An equity release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits. To understand the features and risks please ask for a personalised illustration. Check that a lifetime mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

 
We normally do not charge a fee for mortgage advice, however a fee paying option is available, and our typical fee would be up to 1% by individual agreement. For Equity Release arrangements we typically charge a fee of £295 payable at the outset and a further fee of £995 payable upon completion.
The Financial Conduct Authority does not regulate Will Writing, Inheritance TAX Planning or Trusts and does not regulate most Commercial or Buy to Let Mortgages