It is for this very reason that impartial Independent Advice from competent and qualified Advisers is essential. Whether you are a home mover, a first time buyer, looking to purchase a second home, or even simply looking to remortgage, our experienced expert Advisers are here to help you. An Equity Release mortgage is a type of mortgage for over 55s to enable them to release the cash (equity) in their property.
The most common form of Equity Release is called a Lifetime Mortgage, these make up over 99.5% of the Equity Release market. A Lifetime Mortgage offers a fixed interest rate for life. There are hundreds of products available, and many enable you to pay some, part of all of the interest. You are even able to pay back up to 10% of the initial capital borrowed each year if you choose to.
A mortgage guarantee scheme to help people with small deposits get on the property ladder was announced in the Chancellors recent Budget. The government will offer incentives to lenders, bringing back 95% mortgages which have "virtually disappeared" during the pandemic, the Treasury says.
The most common form of Equity Release is called a Lifetime Mortgage, these make up over 99.5% of the Equity Release market. A Lifetime Mortgage offers a fixed interest rate for life. There are hundreds of products available, and many enable you to pay some, part of all of the interest. You are even able to pay back up to 10% of the initial capital borrowed each year if you choose to.
A mortgage guarantee scheme to help people with small deposits get on the property ladder was announced in the Chancellors recent Budget. The government will offer incentives to lenders, bringing back 95% mortgages which have "virtually disappeared" during the pandemic, the Treasury says.
Services
As a local company, we mainly advise clients in the Brighton & Hove and Sussex Area.
We believe you need to build relationships with clients to understand their needs and nothing beats face to face advice.
We do however, have clients all over the country and are happy to discuss your needs wherever you are located and whatever your circumstances.
We are also happy to travel to you if necessary and appropriate.
We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.
We believe you need to build relationships with clients to understand their needs and nothing beats face to face advice.
We do however, have clients all over the country and are happy to discuss your needs wherever you are located and whatever your circumstances.
We are also happy to travel to you if necessary and appropriate.
We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.
We offer a FREE initial 'no obligation' financial review and costs of moving consultation with unlimited advice & follow on calls/emails up to full engagement.
Once you have found a property to purchase and decide to engage our services to make an application to proceed, there is a fee for our mortgage advice services of 595 for Residential mortgages, of which 350 is payable on application and 245 is payable upon successful issue of the formal mortgage Offer agreement from the lender.
Our fee for Buy to Let mortgages is 795, of which 450 is payable on application and 345 is payable upon successful issue of the formal mortgage Offer agreement from the lender.
Once you have found a property to purchase and decide to engage our services to make an application to proceed, there is a fee for our mortgage advice services of 595 for Residential mortgages, of which 350 is payable on application and 245 is payable upon successful issue of the formal mortgage Offer agreement from the lender.
Our fee for Buy to Let mortgages is 795, of which 450 is payable on application and 345 is payable upon successful issue of the formal mortgage Offer agreement from the lender.
SMS specialise in providing independent whole of market Mortgage Advice, ensuring that our clients receive the best advice at all times.
Our fully qualified and experienced mortgage specialists have access to the latest online mortgage placing facilities, ensuring our advice is always up to date.
Whether you are seeking a mortgage for your new home or investment property, or simply wish to review your existing mortgage to determine its competitiveness, we have the experience and resources to help you find the mortgage that best matches your needs and circumstances.
Our fully qualified and experienced mortgage specialists have access to the latest online mortgage placing facilities, ensuring our advice is always up to date.
Whether you are seeking a mortgage for your new home or investment property, or simply wish to review your existing mortgage to determine its competitiveness, we have the experience and resources to help you find the mortgage that best matches your needs and circumstances.
Providing whole of market Independent Mortgage Advice; that is individual, tailored and unique to your specific circumstances and needs.
It is for this very reason that impartial Independent Advice from competent and qualified advisers is essential.
Whether you are a home mover, a first time buyer, looking to purchase a second home, or investment property, .
Why spend your valuable time looking for a mortgage on comparison websites?, which do not take your personal circumstances in to consideration and are often misleading, when we can do all the hard work for you!
It is for this very reason that impartial Independent Advice from competent and qualified advisers is essential.
Whether you are a home mover, a first time buyer, looking to purchase a second home, or investment property, .
Why spend your valuable time looking for a mortgage on comparison websites?, which do not take your personal circumstances in to consideration and are often misleading, when we can do all the hard work for you!
Providing whole of market Independent Mortgage Advice; that is individual, tailored and unique to your specific circumstances and needs.
You may be tempted to go back to your existing lender, however it is important to remember they will only be able to tell you about their mortgage products.
There could be a better option for you with another lender potentially saving you money.
You may be tempted to go back to your existing lender, however it is important to remember they will only be able to tell you about their mortgage products.
There could be a better option for you with another lender potentially saving you money.
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