Reigate mortgage solutions is a professional mortgage and general insurance brokerage. With access to the whole of the market and with thousands of mortgage products to offer we are able to find the best mortgage to suit your needs. We offer expertise which we believe will be of value whether you are a first time buyer, home mover, remortgaging or buy to let investor.
We will deal with your case from start to finish and will always keep you updated with the progress of your mortgage and any insurance contracts. We will also liase with your solicitor to ensure the process is as smooth as possible. You will always have direct contact with the adviser and will never have to deal with a call centre. It is not only important to have the right mortgage, you need to also consider protecting you, your home and your family against any unforeseen circumstances.
We offer an advice and recommendation service on insurances such as buildings & contents, life assurance, critical illness cover, income protection etc.
We will deal with your case from start to finish and will always keep you updated with the progress of your mortgage and any insurance contracts. We will also liase with your solicitor to ensure the process is as smooth as possible. You will always have direct contact with the adviser and will never have to deal with a call centre. It is not only important to have the right mortgage, you need to also consider protecting you, your home and your family against any unforeseen circumstances.
We offer an advice and recommendation service on insurances such as buildings & contents, life assurance, critical illness cover, income protection etc.
Services
Peter Softley (principal) has been in the mortgage business for over 10 years and has a wealth of experience in dealing with all types of mortgages.
Reigate Mortgage Solutions prides itself on offering expertise, professionalism and the ability to present information and ideas in a fast clear and concise way for all to understand in what can be a confusing marketplace.
Our service standard is to provide professional advice within 24 hours of an initial enquiry.
We offer our clients the choice of using email to discuss their mortgage options however most prefer advice on a more personal basis whether that means a face to face meeting or a telephone conversation.
Reigate Mortgage Solutions prides itself on offering expertise, professionalism and the ability to present information and ideas in a fast clear and concise way for all to understand in what can be a confusing marketplace.
Our service standard is to provide professional advice within 24 hours of an initial enquiry.
We offer our clients the choice of using email to discuss their mortgage options however most prefer advice on a more personal basis whether that means a face to face meeting or a telephone conversation.
Also known as a capital & interest mortgage, repayment mortgages are guaranteed to repay the loan at the end of the term assuming that all monthly payments are met.
Each monthly payment that you make is divided in two.
One part repays some of the loan and the other part pays the interest charged on the loan by the lender.
In the early years of the mortgage more of your payment will go towards the interest, however as you owe less, more will go towards repaying the loan.
As mentioned earlier your loan is guaranteed to be repaid at the end of the term.
Each monthly payment that you make is divided in two.
One part repays some of the loan and the other part pays the interest charged on the loan by the lender.
In the early years of the mortgage more of your payment will go towards the interest, however as you owe less, more will go towards repaying the loan.
As mentioned earlier your loan is guaranteed to be repaid at the end of the term.
For most of our working lives we strive to pay off our mortgages and other debts.
Illness, unemployment or an untimely death in the family does happen and it can jeopardise the ability to repay these commitments and can ultimately lead to repossession of your home should you be unable to maintain your mortgage repayments.
The aim of this policy is to pay out a cash lump sum on death sufficient for the surviving dependents to maintain an adequate standard of living.
As a minimum you should always cover your credit commitments i.e Mortgage, loans and credit cards.
Illness, unemployment or an untimely death in the family does happen and it can jeopardise the ability to repay these commitments and can ultimately lead to repossession of your home should you be unable to maintain your mortgage repayments.
The aim of this policy is to pay out a cash lump sum on death sufficient for the surviving dependents to maintain an adequate standard of living.
As a minimum you should always cover your credit commitments i.e Mortgage, loans and credit cards.
There are many reasons as to why you may want to remortgage.
For example you may want to achieve a lower rate of interest and therefore lower monthly repayments, consolidate other debt on to your mortgage, make home improvements, buy a new car, raise a deposit for an investment property etc.
The remortgage process these days is generally very quick and easy and in some cases the new lender will pay any survey and legal costs to switch the mortgage (subject to status and availability).
Adding existing debts to your mortgage may both extend the repayment term and increase the overall cost of the debt.
For example you may want to achieve a lower rate of interest and therefore lower monthly repayments, consolidate other debt on to your mortgage, make home improvements, buy a new car, raise a deposit for an investment property etc.
The remortgage process these days is generally very quick and easy and in some cases the new lender will pay any survey and legal costs to switch the mortgage (subject to status and availability).
Adding existing debts to your mortgage may both extend the repayment term and increase the overall cost of the debt.
When you are looking to buy your first home it can be daunting, not knowing how much you can borrow, what your monthly repayments will be, what deposit you need, the different types of mortgage available and the various different fees that are payable and when you need to pay them.
Reigate Mortgage Solutions offers an information service that talks you through the above and also aims to get you an agreement in principle with a lender that allows you to look for your new home with the confidence that your mortgage has already been agreed.
Reigate Mortgage Solutions offers an information service that talks you through the above and also aims to get you an agreement in principle with a lender that allows you to look for your new home with the confidence that your mortgage has already been agreed.
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