First-time buyer
As you embark upon a new journey and have decided to buy your first property. Getting your first mortgage as a first-time buyer can be daunting and there would be loads of questions to be answered like:
- How much will I be able to borrow and how much deposit will I need?
- What type of mortgage and insurance will I need?
- What to look for in and around the property?
- What will be the costs of setting up my new home and moving?
Our experts in mortgages and financial planning will be available to have a chat, answer questions and advise the best way forward.
We will help you through the process and introduce you to other services, including legal services, conveyancing, removals and renovations.
Re-mortgaging
It is always good to review your mortgage if it is coming to the end of its term to check if you can get a better rate, change the terms of your mortgage or re-mortgage to raise additional funds if your property has appreciated in value.
Our experts in mortgages can help in switching your lenders through an extensive range of highly competitive products and find the right product for you.
Moving Home
A study performed in the UK shows that one is likely to move on average, every 10 years. In London, the moves are more frequent. The reasons for moving a house can be many. Mostly are change of a job, work transfer, increase in family size with the arrival of children, or seeking better living conditions.
Whatever the reasons, we know that buying a new house can be stressful and we can guide you through the process and make the transition as smooth as possible.
When you move, it is also a good time to review your mortgage options:
- ‘Porting’ – transferring your existing mortgage to a new property
- Find a better product with another lender
- Re-mortgage with your existing mortgage provider with favourable fixed /variable rates.
We will help you develop an understanding of the types of mortgages, products and lenders’ criteria in the market and offer competitive rates.
We will hold your hand through the whole process and on your behalf, deal with the estate agents, valuations, lenders, solicitors and also movers.
Buy to Let
A buy-to-let mortgage can help you make a successful investment in the property market as a first-time buyer or an investor with a property portfolio.
This type of investment can provide you with income to support your retirement plans, grow a portfolio, to obtain short-term capital growth or long-term income supplement.
It is important to weigh up all the options with our experienced and professional brokers. There will be tax aspects you need to consider so please make sure you get independent tax advice from a specialist.
Whatever you are looking for, we will talk you through all the options and help you find the right mortgage provider, advise on property type and location, guide you through the regulations & criteria and above all advise you on the benefits of HMO conversions.
Equity release
Unlocking the value in your home to plan your retirement and finances.
Allows older homeowners to release the value tied up in their property and allows them to live at the property until they die or have been moved to long-term care. Equity release is an excellent way to plan a retirement income, make home improvements and use the capital to support the family.
This option may not suit everyone, and it is very important to speak to a specialist about the risks involved.
Important information
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
