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Financial services
Our financial services team can assist with bespoke mortgage advice and access to a wide range of financial products, to ensure you get the deal best suited for your needs.
Our in depth market knowledge is here to guide you through the ever-changing landscape of mortgage and financial products. We offer a face to face service and aim to source the right product for your needs and circumstances, saving you time and money, offering you support throughout the entire process.
We are helping busy professionals and business owners to secure the right mortgage funding for their house they want to buy or refinance, whether that be an investment or a property to live in.
What we offer:
No hidden fees
Easy approval process
100% free quotations
Exclusive deals not available elsewhere
Free review to see if we can save your money
Services We Provide
First time buyers
You’ve been dreaming day and night about it: Buying your first home. It is a thrilling prospect for everyone, especially first-time homeowners. With many properties available online, it’s easy to begin house searching as soon as the idea strikes.
Prior to any significant purchase, it is important to set a realistic budget, and buying a home is no exception. It is critical to determine your budget as a homebuyer before you start shopping seriously.
Determining your creditworthiness can help you learn what size mortgage you will qualify for and lead you to a realistic home buying budget. Do a reality check on your personal finances. Scrutinize your monthly income, expenses and debt-to-income ratio, so you can assess what funds you will have available for a down payment and a monthly payment once you move into your new home.
Another important piece of this puzzle is your credit history. Check your current credit report for any debts you need to pay off, so you are in a stronger position when it comes time to apply for a mortgage. The higher your credit score is, the more access you will have to mortgages and lower interest rates.
As a first-time buyer, mortgage hunting can be stressful and confusing. Our mortgage experts know the whole market. We will find you the first-time buyer mortgage that’s right for your individual circumstances. We’ll explain everything and help you all the way to sign-up.
When you obtain a pre-approval for a mortgage, you will know exactly what you can afford. Having a pre-approval will also make your offer more appealing to sellers.
Also, it will allow you to figure in important, relevant factors such as property taxes, down payment amounts, interest rates and closing costs and other fees you’ll have prior to closing on a home, home insurance to provide a detailed breakdown of what your monthly payments would look like.
We can help you to factor in in related expenses such as budget for standard property maintenance expenses and repairs that may be needed in the short term after closing.
Buy-to-let
It is designed to help private individuals invest in property to let without paying commercial rates of interest. The amount a client can borrow is normally linked to the expected rental income, so the ability to borrow is not necessarily based on personal income.
The buy-to-let market is constantly changing. Creating challenges and opportunities. Our finance specialists are fully up to date, across the entire marketplace, to ensure you get the very best advice. Few mortgage advisers deal with portfolio clients well, and this is where we can add particular value and expertise.Our mortgage specialists can access products offering up to 95% of the price of a second property at residential interest rates.
Buying a property to let is being increasingly considered by all types of buyers. People now see property as an important part of their overall investment portfolio and frequently see it as an alternative to traditional stock market linked pensions.
The workforce has also become flexible, and the need for individuals, businesses, and families to move with ease is vital. Attitudes have also changed with many young people renting rather than buying.
The amount of a loan is normally based on an ARLA (Association of Residential Letting Agents) registered letting agents' confirmation of the expected rental income. This income would normally need to cover the mortgage payments at the lenders standard ‘Buy to Let’ rate by a factor of between 125-150%.
There are products for clients who wish to create a portfolio of properties, and we can often help to arrange a pre-agreed facility with one lender. This gives flexibility for the client to purchase several properties under one agreement, and allows lower rental yields on some properties to be offset by others that have higher yields.
Remortgaging
If you are already an owner, with a mortgage, and are looking to improve your terms, please contact us for the very latest remortgaging opportunities. We will then work closely and expertly with you to improve your current mortgage arrangements, and achieve the very best outcome.
In the past, borrowers have anticipated staying with just one provider for the full term of their mortgage. However, many mortgages now operate with a reduced initial rate of interest for the first two years only, before defaulting to the higher, standard variable rate, and borrowers are not always aware that, at this point, there is an opportunity to change to a new provider.
We are helping clients achieve the best continuing, long term value for their money, which can often mean changing mortgage providers and this can provide considerable savings.
Often clients need to raise money from the equity in their property to facilitate home improvements, buy an investment property or simply to clear other borrowings. Re-mortgaging to a lower rate, or raising money for any purpose, is something that we can help to arrange quickly and cost effectively.
Moving home
Whether you are moving to a larger property, downsizing, or finding something you prefer, moving home can be very stressful, especially when you have usually make sure your sale and purchase synchronize.
Our experienced team of mortgage advisers will help make sure your mortgage change all runs smoothly and can help arrange a bridging loan or a let-to-buy if necessary. For owners looking to move, our experienced team of specialists will ensure you receive the very best advice to get you fully briefed and moving. We offer a start-to-finish financial advice service including offer negotiation, mortgage submissions, and sales progression.
Insurance
We are happy to offer you reliable insurance advice and products in conjunction with mortgages, and highly recommends that clients adequately protect their homes, mortgages and themselves.
We can advise you insurance products including buildings and contents, life insurance, critical illness, income protection insurance / permanent health insurance and private medical insurance.
Whether you are a first-time buyer, remortgaging, moving home or even a landlord, our mortgage advice and recommendation services are here to help you. We also offer advice and recommendation on protection products such as Buildings and Contents Insurance as well as Life Assurance products. Our Consultants will provide advice and information about all the costs and charges involved when buying a new home, funding your property portfolio or remortgaging.