If you want to get on the property ladder, move house or perhaps remortgage to reduce your monthly bills, our independent mortgage advisers can help you through the maze of options.
There are many mortgage options available – including straightforward repayment mortgages, offset mortgages and tracker mortgages, to name but a few. It may all seem overwhelming – but by asking you a few key questions we can quickly find the one that’s right for you. We’ll need to know:
- the value of the property
- how much you want to borrow
- how long you want your mortgage to run for
- your earnings, and what you can afford to repay
- your savings and assets
- whether you’re comfortable with some risk, or prefer none at all
If you visit a bank or building society for a mortgage, they will only offer you their own products. Because we are independent, we can find you any product from any provider – which means you get the mortgage that is truly best for your circumstances.
With the government’s new Interest-Free Deposit Scheme and the Mortgage Indemnity Guarantee (announced in the 2013 budget), it could be a good time for you to buy your own home. Speak to us today for advice.
With household budgets under pressure, it makes sense to review your mortgage and ensure you are not paying too much. It may be that your circumstances have changed, and remortgaging could help save you money every month, or repay your mortgage more quickly.
Even if you are locked in a fixed-term mortgage, you could still have options. Because our mortgage advisers know the mortgage market so well, we can give you our independent, experienced advice, tailored to your situation.
Contact us today to find out more about mortgages and remortgaging.