Mortgages

Buying a home is one of the most important financial decisions anyone can make (borrowing a significant amount of money), therefore getting a suitable mortgage that meets your needs is essential.

We offer tailored Mortgage Advice to ensure you choose an appropriate mortgage to fit your circumstances.

Being independent we can advise on any mortgage available in the market and are not tied to any one bank or mortgage provider. We also have access to some mortgages that are only available to qualified mortgage advisers.

Some things to consider:

Affordability
Repayment or Interest only
Interest Rates: Fixed, Variable, Capped, Tracker etc
Arrangement Fees
Early Repayment Charges
Ability to overpay
Standard Variable Rate as well as the Initial Rate

Our Fees:
Our service is split to cover the two distinct parts of our service and will vary depending on the size of the mortgage and complexity of the client's circumstances.

The advice service covers the assessment of your personal circumstances and attitude to risk. We conduct research and selection from the many mortgages available across the whole of the market and identify and recommend the mortgage we believe is most appropriate to your circumstances.
The second service covers the arrangement of the selected mortgage. This includes the application process from Decision in Principle (DIP) to full mortgage offer as well as liaising with the lender, solicitor, estate agent and valuer. We actively chase all the relevant parties until the mortgage offer is issued by the selected lender.

Mortgage Advice Fee: £300 + VAT (£360)
Mortgage Arrangement Fee: Covered by lender commission and disclosed to clients in advance.

If you have any questions on the mortgage advice process please feel free to contact us.

Note: Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.