The mortgage world is so vast and particularly with recent changes to lending criteria, it's important to understand all the key information before you make any decisions.
To help with this, we've put our heads together with our experienced colleagues and numerous purchasers to choose an excellent independent financial expert to guide you through the maze. Just ask for details.
Expert, Independent& Impartial
A mortgage is one of the biggest financial commitments we have in our lifetime. Whether you are a first time buyer, home mover or an investment landlord looking for a buy to let mortgage, having the right mortgage can save you thousands of pounds. There are so many lenders offering a vast array of products, so it is vitally important to get the right advice.
Through our partnership with an expert, independent mortgage advisor, we can provide you with impartial guidance.
Personal to theindividual
Careful planning can determine your financial wellbeing now and in the years ahead, so our advisors will take the time to fully understand your personal situation. They'll provide helpful tips and guidance throughout the process.
Market Wide Search
With so much going on, it's tough to manage finances effectively, but our mortgage advisers scour the market on your behalf, across the full breadth of lenders, searching for the best products to suit your needs.
They can access thousands of great deals, including exclusive offers not available on the high street, so it's always worth having a chat with them.
The first step when looking for the ideal property is to have a clear understanding of your budget. This will help target your search meaning that you will find the right property quicker and save you from viewing properties that are unsuitable.
To begin setting your budget, start thinking about your income, any savings you're looking to use and if you already have equity in an existing property that you want to use. All of this will give you a clearer view of where you are financially before you start looking to borrow.
Top tip: Don't forget to factor the essential services and taxes involved in buying property into your budget calculations. The most common include - stamp duty, conveyancing, searches, land registry and surveys.
We do not provide off the shelf solutions, but offer the benefit of a single relationship for all of your financial planning needs ensuring we offer the very best service, make your life smoother while making your money work harder for you.