Mortgages

Getting the key of your first home is one of the great moments in life and there are few things more exciting than buying the perfect property for your needs. Whether you are a first time buyer starting out on the property ladder, require more space for the family or are looking for an investment property to rent, it is likely you will need a mortgage to help you make your move.

Alternatively, you may be looking to capitalise on the growth in value of your property to help you with other projects. Re-mortgaging a property to provide money for a business, home improvements or perhaps debt consolidation is now a very common occurrence.

Finding the mortgage suitable for your needs can be a problem simply because of the increased choice. This section will try to help you come to an informed decision as to what is best for your needs.

When considering any mortgage finance you must understand that this is a significant financial commitment. Loans are often subject to checks in respect of your ability to repay the debt and the value of the premises that you wish to purchase.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up the repayments on your mortgage.

As we are independent we offer products from the whole of the market and can provide a fee based service or receive commision from the lender, or a combination of both. We will provide a quote for any fee´s, if any, at the end of our first appointment with you, before you decide to instruct us to work so there will be no hidden costs. We will advise and make a recommendation for you after we have assessed your needs. The precise fee amount will depend on your circumstances but we estimate it will be 1% of the mortgage advance on completition. (So if £100,000 mortgage our fee would typically be £1,000). We will also receive commission from the lender.