Ignite Financial Services specialise in a first time purchases, onward purchases, buy to let and remortgaging. We also offer number of protection products to suit your needs. We do not charge fees for any of our services. Mike was very thorough at the start of the process when it came to finding a new mortgage taking into account our needs and budget.
By far the most reliable and responsive professionals we dealt with in the moving process! Mike always found us the best mortgage and always gave us good advice and made us feel important and valued. My advisor Matt and Vicky have been very helpful and made me feel at ease throughout the process. Mike has always been efficient, professional, extremely helpful, knowledgeable and made us feel confident in his advice.
Always available to answer any financial questions and 10 years since we first met, we are still getting the best deal around. Mike and the team have been invaluable in both our initial mortgage, and subsequent re-mortgage application.
By far the most reliable and responsive professionals we dealt with in the moving process! Mike always found us the best mortgage and always gave us good advice and made us feel important and valued. My advisor Matt and Vicky have been very helpful and made me feel at ease throughout the process. Mike has always been efficient, professional, extremely helpful, knowledgeable and made us feel confident in his advice.
Always available to answer any financial questions and 10 years since we first met, we are still getting the best deal around. Mike and the team have been invaluable in both our initial mortgage, and subsequent re-mortgage application.
Services
Whether you are first time buyer, buying your next home, remortgaging, or investing in property we have expertise in all areas and access to 100's of products.
Our business is based on building a long term client/adviser relationship and thus we will always work in your best interests.
We provide clear and understandable advice on all aspects of owning your new property, or remortgaging your existing home.
We provide expert guidance up to completion of contracts and you will be updated promptly.
Our business is based on building a long term client/adviser relationship and thus we will always work in your best interests.
We provide clear and understandable advice on all aspects of owning your new property, or remortgaging your existing home.
We provide expert guidance up to completion of contracts and you will be updated promptly.
Buying a house is one of the biggest financial decisions that you will make in your life.
It is a lengthy and complicated process.
But at Ignite Financial services we will provide you with the most suitable advice and help you to make the home buying process as easy and stress free as possible.
Make an appointment with Ignite, at home or at our offices.
The meeting will outline the process of buying a house and most importantly establish your budget and the maximum purchase price.
At this stage you can obtain an agreement in principle.
It is a lengthy and complicated process.
But at Ignite Financial services we will provide you with the most suitable advice and help you to make the home buying process as easy and stress free as possible.
Make an appointment with Ignite, at home or at our offices.
The meeting will outline the process of buying a house and most importantly establish your budget and the maximum purchase price.
At this stage you can obtain an agreement in principle.
Buying a house is not cheap therefore you need to be aware of all the costs up front so you can budget in advance.
During the initial meeting we will outline these costs to suit your individual needs.
MORTGAGE ARRANGEMENT FEES - this will relate to the product that you choose, so can vary considerably.
We will provide you with an illustration at the time.
SURVEY - there are 3 different surveys: Basic valuation has to be carried out by lenders surveyor to determine the suitability and the value of the property.
During the initial meeting we will outline these costs to suit your individual needs.
MORTGAGE ARRANGEMENT FEES - this will relate to the product that you choose, so can vary considerably.
We will provide you with an illustration at the time.
SURVEY - there are 3 different surveys: Basic valuation has to be carried out by lenders surveyor to determine the suitability and the value of the property.
There are a number of different types of mortgages and we have outlined the key products below.
Deciding on which type of product to choose from can be confusing.
This will depend on market conditions and your personal risk assessment.
FIXED RATES - With a fixed rate mortgage the monthly repayment amount is fixed for a specified period irrespective of changes to the Bank of England's base rate or the lender's standard variable rate.
Fixed rate mortgage schemes can be from 1 to 25 years.
At the end of the fixed rate the interest rate reverts to the lender's standard variable rate or it may follow the bank of England base rate.
Deciding on which type of product to choose from can be confusing.
This will depend on market conditions and your personal risk assessment.
FIXED RATES - With a fixed rate mortgage the monthly repayment amount is fixed for a specified period irrespective of changes to the Bank of England's base rate or the lender's standard variable rate.
Fixed rate mortgage schemes can be from 1 to 25 years.
At the end of the fixed rate the interest rate reverts to the lender's standard variable rate or it may follow the bank of England base rate.
The monthly repayment you make to the lender each month consists of the interest you owe plus the capital.
If you keep up all the repayments on your mortgage, you are guaranteed to have paid off the mortgage at the end of the term.
This method is the safest way to repay the mortgage.
The payment you make to the mortgage lender each month comprises just the interest you owe for that month.
Therefore you are not paying off any of the capital you owe.
When considering this type of repayment, you should also consider making arrangements into a investment vehicle, savings account, pension or other investment.
If you keep up all the repayments on your mortgage, you are guaranteed to have paid off the mortgage at the end of the term.
This method is the safest way to repay the mortgage.
The payment you make to the mortgage lender each month comprises just the interest you owe for that month.
Therefore you are not paying off any of the capital you owe.
When considering this type of repayment, you should also consider making arrangements into a investment vehicle, savings account, pension or other investment.
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