Dorset Financial Planning is an independent financial services business based in Bournemouth, Dorset. We offer whole-of-market mortgage advice and pride ourselves on being an honest, ethical and socially responsible business. In addition to residential, buy to let, holiday home and self build mortgages, we also provide Equity Release (now known as Long Term mortgages), Commercial and Semi-Commercial mortgages as well as a wide range of protection products.
We will help you make the best choice for your circumstances with regards to buying your home and investing in property for the now and the future. Acting as an independent, whole of market mortgage adviser, we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. We will consider all products and lenders that we have access to.
This means we will not consider those lenders that are only available by you going direct to them. Where you are increasing your borrowing we will consider the merits of both a new first charge mortgage and securing this by an additional mortgage on a second charge basis.
We will help you make the best choice for your circumstances with regards to buying your home and investing in property for the now and the future. Acting as an independent, whole of market mortgage adviser, we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. We will consider all products and lenders that we have access to.
This means we will not consider those lenders that are only available by you going direct to them. Where you are increasing your borrowing we will consider the merits of both a new first charge mortgage and securing this by an additional mortgage on a second charge basis.
Services
With years of previous experience in various financial service roles such as quality control, complaints, pensions and volunteering as a debt counsellor I have a lot of background knowledge that comes in handy when considering the best course of action with a mortgage and the ability to raise potential issues that may need to be referred to a tax adviser, investment adviser or solicitor.
I specialise in mortgage advice only.
A mortgage adviser comes into their own working through the myriad of morgage deals and finding the right mortgage deal for you.
I specialise in mortgage advice only.
A mortgage adviser comes into their own working through the myriad of morgage deals and finding the right mortgage deal for you.
The interest rate is the most visible part of any mortgage but to find the best deal isn't as simple as looking for the lowest advertised rate.
A loan with a lower interest rate but higher fees may end up being more expensive.
It can take a long time to evaluate this information but a mortgage adviser can use a sourcing system that can sift out the mortgage relevant to your needs.
A mortgage adviser will also ensure that you chose the right term, features, interest rate over the right product term and ensure you get the most cost effective mortgage.
A loan with a lower interest rate but higher fees may end up being more expensive.
It can take a long time to evaluate this information but a mortgage adviser can use a sourcing system that can sift out the mortgage relevant to your needs.
A mortgage adviser will also ensure that you chose the right term, features, interest rate over the right product term and ensure you get the most cost effective mortgage.
There is that old saying, 'money does not buy happiness'.
There are plenty of successful and wealthy people confirming this.
However, when I worked as debt counsellor, i did observe that money does have some influence on our happiness.
If our lives are unstable then it can result in our finances getting out of hand which can lead to further stress and worry.
Whilst money doesn't necessarily buy us happiness, financial worries can affect family life and on the positive side of things can enable us to treat ourselves and family members which can lead to happy memories.
There are plenty of successful and wealthy people confirming this.
However, when I worked as debt counsellor, i did observe that money does have some influence on our happiness.
If our lives are unstable then it can result in our finances getting out of hand which can lead to further stress and worry.
Whilst money doesn't necessarily buy us happiness, financial worries can affect family life and on the positive side of things can enable us to treat ourselves and family members which can lead to happy memories.
Landlords with four or more buy to let mortgages need to provide lenders with information on their whole portfolio when assessing lending.
I will ensure you fully understand what the full costs are with regards to the mortgage(s) and I will ensure the mortgage application is as smooth and stress free as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
I will ensure you fully understand what the full costs are with regards to the mortgage(s) and I will ensure the mortgage application is as smooth and stress free as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
With so many businesses restructuring, the idea of a job for life doesn't really exist anymore and an employed person arguably doesn't have any greater prospect of long term income than other means of earning a living.
As a result the mortgage lender looks at the whole picture by assessing the type of work and trade of the applicant when judging how permanent someone's income is.
For contractors you would need to have worked as a contractor for 12 months or have at least 24 months remaining.
If you work through an employment agency this income could potentially be used.
As a result the mortgage lender looks at the whole picture by assessing the type of work and trade of the applicant when judging how permanent someone's income is.
For contractors you would need to have worked as a contractor for 12 months or have at least 24 months remaining.
If you work through an employment agency this income could potentially be used.
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