Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial mortgage advice is critical from qualified advisers. Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.
We can search through a range of policies to find the one that is the most suitable for you. So this year leave the shopping to us, as just one phone call could find the most appropriate cover and price for you. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. We specialise in providing you with quality, professional mortgage advice that you can trust.
Whatever your particular requirements, whether it be a mortgage, remortgage, buy to let, or accident, sickness or death, we can ensure that we find the most suitable solution for you. The information therein is used only to contact you to discuss the areas you've expressed an interest in.
We can search through a range of policies to find the one that is the most suitable for you. So this year leave the shopping to us, as just one phone call could find the most appropriate cover and price for you. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. We specialise in providing you with quality, professional mortgage advice that you can trust.
Whatever your particular requirements, whether it be a mortgage, remortgage, buy to let, or accident, sickness or death, we can ensure that we find the most suitable solution for you. The information therein is used only to contact you to discuss the areas you've expressed an interest in.
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We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.
We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client.
We understand that everyone's different, and that's why our mortgage planning approach is as individual as you.
We know the financial side of life can be complex and that's why we work hard to get to know you and your aspirations through careful life planning and consultation.
We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client.
We understand that everyone's different, and that's why our mortgage planning approach is as individual as you.
We know the financial side of life can be complex and that's why we work hard to get to know you and your aspirations through careful life planning and consultation.
Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect.
Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision.
To help you with making the right decision we have put together 10 top tips for you.
Ensure that you are realistic when working out exactly how much you can afford to spend on your new house.
You should ensure the intended mortgage is affordable (by doing a budget calculation).
Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision.
To help you with making the right decision we have put together 10 top tips for you.
Ensure that you are realistic when working out exactly how much you can afford to spend on your new house.
You should ensure the intended mortgage is affordable (by doing a budget calculation).
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
When you remortgage, you are switching your mortgage to another deal, and frequently, another lender.
Remortgages can be used for various reasons.
However, most people simply switch mortgages because it will work out cheaper for them.
For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
When you remortgage, you are switching your mortgage to another deal, and frequently, another lender.
Remortgages can be used for various reasons.
However, most people simply switch mortgages because it will work out cheaper for them.
For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender.
Becoming a private landlord should not be seen as an easy way of making money.
It can be riskier and more complicated.
It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise.
That said, having a second property to let to tenants could reap considerable financial rewards over time.
Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income.
In some cases your income is not ever considered.
It can be riskier and more complicated.
It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise.
That said, having a second property to let to tenants could reap considerable financial rewards over time.
Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income.
In some cases your income is not ever considered.
Right to buy schemes are designed to help council tenants currently renting to purchase their homes at a discounted rate.
The amount of discount you will receive will depend on a number of factors including how long you have been a tenant, the type of property you rent and the current value of your home.
You will need to check with your local authority with whom you currently rent to obtain the exact details of the right to buy discount you may be entitled to.
Most lenders will allow you to borrow 100% of the discounted purchase price whilst others allow you to borrow extra money for any home improvements you may wish to carry out.
The amount of discount you will receive will depend on a number of factors including how long you have been a tenant, the type of property you rent and the current value of your home.
You will need to check with your local authority with whom you currently rent to obtain the exact details of the right to buy discount you may be entitled to.
Most lenders will allow you to borrow 100% of the discounted purchase price whilst others allow you to borrow extra money for any home improvements you may wish to carry out.
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