Mortgages
Your mortgage is probably the largest financial commitment that you’ll make and your largest monthly outgoing so it’s surprising how many people don’t regularly review their mortgage to make sure they have the best deal.
There are so many types of mortgage available that it is easy to become confused, possibly opting for the product offering the lowest headline rate of interest. But there are so many other factors that all add to the total cost of the mortgage such as arrangement fees, conditional insurances, higher lending charges, lock-ins and early repayment charges.
As IFAs we are legally obliged to act on your behalf, without bias toward one mortgage provider or another. We have access to the whole market available to IFA’s, covering the latest mortgage deals, as well as exclusive offers that you can’t get from bank or building society branches. In addition, we will be able to highlight and explain any potential pitfalls, like early redemption penalties and tied-in insurances that can often take the gloss off mortgages that have attractive headline interest rates.
When deciding if you want to pay back the loan and interest charges or just the interest, you may opt for an 'interest only' mortgage in which case it is important that you have the most appropriate saving methods to repay the loan. This may be a combination of investments, Individual Savings Accounts or even pensions. There are over 30,000* financial products available and the costs, terms and conditions vary. Only an IFA can give you unbiased advice across the whole financial products and mortgage marketplace.
Whether you are a first time buyer, moving home, want to re-mortgage or have a buy to let, we will guide you through the process, search all the Building Societies, Banks and Central Lenders products on the IFA market and find the most competitive deal for you.
Mortgage service for the Self Employed & for those with adverse credit
As part of our service, we will:
- Source the most suitable mortgage for your needs and circumstances
- Provide you with details of the costs involved
- Submit your mortgage application
- Monitor the application process to ensure prompt receipt of the mortgage offer
- Let you know what you need to do and when
- Liaise with solicitors to ensure the conveyancing process runs smoothly
- We will take care of everything for you so you don’t have to worry
Why not contact us to take advantage of our free financial health check today. Call us on 0845 073 0490 or complete our online form and we’ll contact you to arrange an appointment. We are conveniently located in Hurstpierpoint, Sussex, just minutes from the mainline station at Hassocks and close to Haywards Heath, Burgess Hill, Crawley and Brighton.
Your home or property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £250. The Financial Services Authority does not regulate will writing, taxation and trust advice and some aspects of buy to let mortgages.
