MORTGAGES

Residential Mortgages

Our Advisers can take you through the mortgage process from start to finish, providing peace of mind and taking away the confusion and jargon that often surrounds buying a property. Our experienced consultants will help source the right mortgage to meet your personal circumstances, whether you are purchasing or considering re-financing your existing property.

Buying to Let

Buy to Let Mortgages are specifically designed for individuals who want to invest in the property market by purchasing one or more properties and letting them out to tenants.  The potential appreciation in the capital value of the house remains with the owner.  Much of the  maintenance  of the property and loan repayments may be met from the revenue realised by the letting income.  Buy to let mortgages are in most ways similar to standard mortgages, however, the percentage which the lender is willing to lend is likely to be restricted to a percentage of the value of the property.

Lifetime Mortgages

Most people have heard the term 'asset rich, cash poor' and this can be particularly true for those in retirement receiving a modest pension and living in an asset worth a considerable sum in today's market. Our advisors can advise on releasing equity (cash or lump sum, or perhaps both) to help fund retirement whilst considering the impact on welfare benefits and other tax implications. To understand the features and risks, ask for a personalised illustration. 

CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT.  IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE

Commercial Mortgages

If you are considering purchasing a commercial property as an investment, or perhaps through your pension plan we can assist you in finding the most competitive terms and discuss the right arrangement to meet your individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Services Authority does not regulate some forms of buy to let or commercial mortgages.