Fulford Mortgage Advisers is a family fun business that has been running for over 20 years. We keep a close relationship with our clients and ensure that your privacy is one of our top priorities. At Fulford Mortgage Advisers we pride ourselves on understanding fully our clients needs - high quality advice delivered in the manner and timescales that their lives demand.
We make sure that you have access to the range of products and services available in the financial services market, unlike banks or some life assurance companies that are only able to offer access to one provider. We ensure you receive the right advice to select the products you need to meet your circumstances. We believe in relationship advice. Knowing you, your family and your aspirations, enables us to deliver the quality of service you deserve.
Through building relationships, we are able to free your time for the things that matter to you and your family. You have made the whole process so seamless & so much less stressful than it could have been!
We make sure that you have access to the range of products and services available in the financial services market, unlike banks or some life assurance companies that are only able to offer access to one provider. We ensure you receive the right advice to select the products you need to meet your circumstances. We believe in relationship advice. Knowing you, your family and your aspirations, enables us to deliver the quality of service you deserve.
Through building relationships, we are able to free your time for the things that matter to you and your family. You have made the whole process so seamless & so much less stressful than it could have been!
Services
As Independent Mortgage & Protection Advisers we are free to advise on financial products available from all relevant product providers.
We use our experience and advanced computer software to research, compare and select the most suitable deals currently available.
We are thus able to make arrangements to maximize the benefits to our clients.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs.
For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free.
We use our experience and advanced computer software to research, compare and select the most suitable deals currently available.
We are thus able to make arrangements to maximize the benefits to our clients.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs.
For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free.
Mortgages are one of the largest single transactions in most people's lives.
Buying a property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender's offer.
Banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.
Under the repayment method your monthly repayments consist of both interest and capital hence, over time, the amount of money you actually owe will decrease.
Buying a property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender's offer.
Banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.
Under the repayment method your monthly repayments consist of both interest and capital hence, over time, the amount of money you actually owe will decrease.
Choosing the right sort of mortgage to meet your needs and circumstances can seem a bit overwhelming.
There are many different types to choose from, all meeting the needs of different types of borrowers.
The good news is that we'll be on hand able to help you, explaining what's on offer, what the key features are, and what type of mortgage best meets your individual circumstances.
There are many different types to choose from, all meeting the needs of different types of borrowers.
The good news is that we'll be on hand able to help you, explaining what's on offer, what the key features are, and what type of mortgage best meets your individual circumstances.
If you're looking for advice and practical help in getting the mortgage that meets your needs and financial circumstances, then we're here and ready to help.
Taking out a mortgage is a major financial commitment and we understand how important it is to get the right mortgage.
It's not just about taking out a sizeable mortgage, it's also about getting the most suitable mortgage for your individual circumstances.
By working with us, you benefit from our impartial advice and knowledge of the current mortgages available from a wide range of lenders, so why not get in touch?
Taking out a mortgage is a major financial commitment and we understand how important it is to get the right mortgage.
It's not just about taking out a sizeable mortgage, it's also about getting the most suitable mortgage for your individual circumstances.
By working with us, you benefit from our impartial advice and knowledge of the current mortgages available from a wide range of lenders, so why not get in touch?
In England, the government will lend you up to 20% of the purchase price interest-free for the first five years, providing you can put down a deposit of at least 5%.
In year six, you will be charged 1.75%, which climbs at a rate of 1% of that figure, plus any increase in inflation (measured by the Retail Prices Index), every year thereafter.
In London, you can borrow up to 40% of the purchase price.
This means you will need a mortgage for 75% of the purchase price (or 55% if you're buying in London) and this must be a repayment mortgage to qualify.
In year six, you will be charged 1.75%, which climbs at a rate of 1% of that figure, plus any increase in inflation (measured by the Retail Prices Index), every year thereafter.
In London, you can borrow up to 40% of the purchase price.
This means you will need a mortgage for 75% of the purchase price (or 55% if you're buying in London) and this must be a repayment mortgage to qualify.
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