Buying a property can be the biggest decision made in our lives. This is where our experience comes in.

If you are a first time buyer

It is important to take advice on your mortgage options before getting serious about your property search. Our aim is to put you in the best position to proceed once you have found a property. At your first meeting your Mortgage Adviser will review your income and outgoings to determine a sensible budget for your new purchase. It’s a good idea to have the following documents available for this meeting:

Payslips or audited accounts/SA302 documents if self employed

Bank statements

Proof of deposit

Proof of residency

Proof of identity e.g. driving licence or passport

Existing loan or credit card commitments

Your Mortgage Adviser will be able to tell you how much you may be able to borrow, what your monthly costs will be and guide you through the next steps in the house buying process. Your Mortgage Adviser will help you understand all costs associated with purchasing a property and when you need to pay them.

Home mover?

Everyone has different needs and requirements for their next move and we are here to help make sure your experience is as stress free as possible. We understand that selling your current home and finding the right property to move to can take some time and there will be important decisions to make along the way. Your Mortgage Adviser will support you throughout the process and be on hand to answer any questions.

Looking to remortgage

Did you know you may be able to save money if you switch your mortgage to a new deal?

Your existing mortgage rate may shortly be coming to an end, although your monthly payments may have reduced it is still a good idea to review your mortgage to ensure your current deal still meets your needs and requirements.

Alternatively, if you have been in your home for a number of years and seen a rise in the value of your property, you may wish to raise some additional borrowing.

But first you need to consider all of the details. As well as the headline rate there are other features of the deal which need consideration – lender fees, most appropriate mortgage term and which type of mortgage best meets your objectives.

We have access to a range of lenders including some exclusive deals you may not find anywhere else on the market.

Our Advisers can look at your existing deal and compare it to other products available. They will then be able to advise you on the most suitable way forward.

Most importantly, we can give you the ongoing support you need throughout the process – from application to completion.

Buy to Let

We understand that purchasing a property to let requires specialist advice.

Whether you are considering a buy to let* for the first time or you are an experienced landlord, we will ensure you receive the right advice and guidance.

*Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

Financing your purchase

Have you accounted for all your upfront costs? These include a deposit for the house, legal fees, stamp duty, and survey fees.

What can you comfortably afford to borrow? Make an appointment with a Mortgage & Finance Company adviser to discuss what you can afford to pay back each month before you go house hunting.

What do you earn? You will need to tell us and confirm it typically with your last three months pay slips and your P60 tax certificate for last year. If you are self-employed we need to see your trading accounts for the last three years.

Equity Release and Lifetime Mortgages

We offer Lifetime Mortgages from the whole of market from lenders approved by the Equity Release Council. We are also a registered member of the Equity Release Council and offer advice from qualified advisers.

You can use the money for whatever purpose you wish. For example you may wish to pay off an existing interest only mortgage that is due to end, gift money to family, or simply to enhance your lifestyle in retirement.

All of our plans are lifetime mortgages, where you continue to own your property.

For a free, no obligation chat to find out more get in touch. We conduct home visits in the majority of cases for your convenience.