Your home may be repossessed if you do not keep up repayments on your mortgage
The FCA do not regulate some buy to let mortgages
One of the main financial decisions you will make will be which mortgage to choose. There are literally thousands of options available.
We provide mortgage and re-mortgage advice. Installed into our office we have a computer based mortgage information service which covers the whole of the marketplace which include building societies, banks, mortgage corporations and insurance companies. This is of considerable advantage to you, letting you choose from the many hundreds of mortgages in the marketplace. Also within the same system we can arrange re-mortgages, whereby you can change your mortgage lender to a more competitive lender with improved rates.
With the multitude of fixed rate, variable rate, discounted and tracker mortgages to choose from, including both commercial and residential lending, it can be confusing and time consuming choice to make. We are able to put you on the right path to finding the right mortgage. We specialise in the following types of mortgages.
Buy to Let
Mortgage providers may insist on some form of life insurance to effect the repayment in the event of the death of the borrower (or one of the borrowers in the case of a joint mortgage). This will be in the form of term assurance for interest only mortgages and decreasing term assurance for repayment mortgages.
You can choose how we are paid: pay a fee, usually 0.35% of the loan amount with commission rebated to you, or we can accept commission from the lender.
We can charge a fee of up to £299.00 and we are also paid commission from the lender, alternatively you could receive the commission from the lender and pay us a fee of an estimated £695.00.