We provide independent advice to first time buyers homemovers, remortgagers and buy to let landlords. Established in 1989 we are independent mortgage advisers covering Berkshire, North Hampshire and South Oxfordshire. Craig kept me informed at all times, was prompt replying and made the whole process clear and straightforward. As first time buyers they were so friendly and helped us understand all our options and the jargon of mortgages and insurance.
We have been using VFS for over 4 years now and we would highly recommend this service to anyone. Craig is excellent and very helpful. There are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. We can search through a range of policies to find the one that suits you best from our extensive list of insurers.
So this year leave the shopping to us.
We have been using VFS for over 4 years now and we would highly recommend this service to anyone. Craig is excellent and very helpful. There are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. We can search through a range of policies to find the one that suits you best from our extensive list of insurers.
So this year leave the shopping to us.
Services
Our qualified friendly team have been providing mortgage advice since 1989.
We understand the need to take time with clients to help them achieve their borrowing requirements.
As Associate members of the Society for Mortgage Professionals and with over 40 years mortgage experience in the mortgage advice we are ideally placed to help you through your mortgage journey.
I became a director at Village Financial Services Ltd 10 years ago, having worked my way up from my initial position as a trainee mortgage adviser.
We understand the need to take time with clients to help them achieve their borrowing requirements.
As Associate members of the Society for Mortgage Professionals and with over 40 years mortgage experience in the mortgage advice we are ideally placed to help you through your mortgage journey.
I became a director at Village Financial Services Ltd 10 years ago, having worked my way up from my initial position as a trainee mortgage adviser.
Whether you have outgrown your current home, are relocating or moving for other reasons, we are able to help you understand your borrowing capacity and establish your monthly payments.
More importantly we can take the responsibility of making a recommendation that best fits your needs.
Moving house is one of the most stressful things you can do.
But here at Village Financial Services Ltd we will take the time to make your move as relaxed as possible.
An ongoing service to provide advice for your mortgage at outset AND across the whole mortgage term, should you require.
More importantly we can take the responsibility of making a recommendation that best fits your needs.
Moving house is one of the most stressful things you can do.
But here at Village Financial Services Ltd we will take the time to make your move as relaxed as possible.
An ongoing service to provide advice for your mortgage at outset AND across the whole mortgage term, should you require.
A Buy to let property can be a good way of investing in property and creating a potential income stream.
You can do this via a Buy to Let mortgage, or perhaps re-mortgage your current residence to a "let to buy" when moving to a new home.
We are independent mortgage advisers and with our extensive access to the UK mortgage market we are able to advise on the best products that suits your needs.
As independent advisers we are not restricted to advising from an imposed panel of lenders.
Alongside your accountancy professional we can work out whether standard buy to let or Ltd company buy to let is the most appropriate purchasing vehicle for you.
You can do this via a Buy to Let mortgage, or perhaps re-mortgage your current residence to a "let to buy" when moving to a new home.
We are independent mortgage advisers and with our extensive access to the UK mortgage market we are able to advise on the best products that suits your needs.
As independent advisers we are not restricted to advising from an imposed panel of lenders.
Alongside your accountancy professional we can work out whether standard buy to let or Ltd company buy to let is the most appropriate purchasing vehicle for you.
Help to Buy is a Government backed scheme designed to help people onto to the property ladder.
Where a buyer only buys a certain percentage of the property, say 50% with the other half owned by a Housing Association.
You buy your share with a deposit and mortgage in the normal way and the other half would be rented from the Housing Association.
Currently only available on new build properties for First Time Buyers.
The buyer comes up with a minimum 5% deposit, the Help to Buy Scheme provides a 20% deposit as an equity share which is free from interest in the first five years.
Where a buyer only buys a certain percentage of the property, say 50% with the other half owned by a Housing Association.
You buy your share with a deposit and mortgage in the normal way and the other half would be rented from the Housing Association.
Currently only available on new build properties for First Time Buyers.
The buyer comes up with a minimum 5% deposit, the Help to Buy Scheme provides a 20% deposit as an equity share which is free from interest in the first five years.
There are many reasons why people have adverse credit registered against them.
It may be late payments on a credit card, personal loan or mortgage, and in more serious cases Individual Voluntary Arrangements (IVA's) or Bankruptcy.
But adverse credit is no longer the problem it was 20 years ago.
There are numerous lenders who will provide funding where borrowers have had historic credit problems.
Lenders will charge a premium relevant to the risk, so the interest rate might not be as bad as you think.
It may be late payments on a credit card, personal loan or mortgage, and in more serious cases Individual Voluntary Arrangements (IVA's) or Bankruptcy.
But adverse credit is no longer the problem it was 20 years ago.
There are numerous lenders who will provide funding where borrowers have had historic credit problems.
Lenders will charge a premium relevant to the risk, so the interest rate might not be as bad as you think.
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