If you want to get on the property ladder, move house or perhaps remortgage, our independent mortgage advisers can help you through the maze of options.
Mortgages
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:
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.
Remortgaging
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.
Many people have a lovely home, yet struggle to make ends meet. Others dream of a once-in-a-lifetime opportunity, but lack the cash funds to make it possible.
Your home is valuable asset – so it could make sense to use some of the funds tied up in your property to help improve your quality of life, or fulfil your ambitions.
An equity release scheme allows you to convert the value of your home into cash, while you can continue to live in the home you love.
There are typically two options:
Lifetime mortgage
You continue to own your property, but take out a loan against its value, and receive a cash sum. This loan, plus interest, is repaid when your property is sold.
Home reversion
You sell your property to a reversion company, receive a cash sum, and continue to live rent-free in your home.
Equity release schemes are sometimes met with hesitation – and it’s right to think carefully because there are long-term implications for your decision. It’s important to be aware, for example, that in an equity release scheme you may not receive the full market value for your property.
Our independent equity release advisers can guide you and help you make an informed decision. There may be other ways you could access funds before considering equity release, and we can help you look at all your options objectively, and without any pressure.
Contact us today to find out more about equity release.
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