Need a Mortgage?
We provide specialist Mortgage and Equity Release help for our clients.
We are passionate about delivering ethical advice that not only meets our clients needs now, but also carefully considers their plans for the future.
Either scan the QR code to the left or click opn the link to the right to utilise our Mortgages Made Simple app.
This will help automate some of the Mortgage process.
Smart Buyer - Download the app here.
Your Money Matters to Us
First Time Buyer
Buy To Let Mortgages
Mortgage protection insurance (also known as ‘mortgage payment protection insurance’ or simply ‘mortgage insurance’) allows you to continue paying off your mortgage if you are no longer receiving a secure income.
Many of us would struggle to keep on top of our essential outgoings, such as mortgage and rent, if we lost an income due to illness or an accident. Income protection is a long-term insurance policy that makes sure you get a regular income until you retire or are able to return to work.
Help Should be for Everyone
Too many mortgage companies want to pick and choose who they help, based on how much money they can earn and how easy it is to help them.
We believe everyone should be entitled to help with choosing the right mortgage which is why we do not charge a fee for our help.
In addition to this we also provide a specialist service to provide tailored advice where our clients require it.
Where someone cannot have a mortgage, we will help them put plans in place to get a mortgage as soon as they can.
Count on Experience
This depends on your circumstances and your income. As a general rule, mortgage providers lend between 4 times and 5 times your income (or a couple’s income if there are two of you). However they will take into consideration any other financial commitments you have such as loans, credit cards and car finance. They will also look at the number of children you have (and we know they cost money), how much deposit you have got and your credit history. We can help you get a realistic idea of how much you can borrow so you know how much you can afford to spend on a new house.
What will my monthly payments be?
This will depend on how much you borrow, over how many years, the mortgage interest rate and how any mortgage fee’s are paid. We will help you fully understand what your costs are and how much the monthly payments will be before you commit yourself to any mortgage.
I already have a mortgage, how do I borrow more?
There are several ways you can do this, for example you could speak to your existing mortgage provider, you could switch your mortgage or you could apply for a secured loan. We will help you find the best solution to raise the extra cash you need and avoid costly fee’s.
Can you help with Equity Release?
Yes! If you are over 55 and want to release equity from your home, we can help you fully understand the benefits and drawbacks of Lifetime Mortgages and provide you with good quality advice to ensure you get the best deal to meet your needs.