Mortgage advice can be a very personal matter as no two people have identical circumstances, ambitions and needs. What’s more needs often change over time and everyone’s financial situation is different. We will find out a bit about you and discuss the different types of mortgages such as fixed rate, discounted rates, standard variable rate etc. We will then research the whole of the available mortgage market to find the deals that are currently available to you. Our in depth knowledge of the circumstances of police officers and our many years of experience combined with the most up to date modern technology allow us to do this in hours rather than days.
A 1% saving in interest rates on an average £140,000 mortgage is the equivalent of a £2,000 per year pay rise to a basic rate tax payer! It pays to have an expert find you a fantastic deal.
First time buyers
Buying your first home is a huge step for anyone and it makes sense to fully understand the commitment needed and the costs involved. Our team have helped many first time buyers over the years and will guide you on every step of the way. They’ll advise on and arrange mortgages, surveys, solicitors, insurances etc. and make sure the whole process runs as smoothly as possible. Understanding all of the costs involved will help search with confidence for your perfect home. Loans to typically up to 95% or 100% with help from parents.
Time to move on to your next home? This can be even more daunting as you’ll often be relying on a sale of your current home at the same time as purchasing your new home. Once again we’ve many years’ experience and there isn’t a hurdle that we haven’t had to overcome before. Our advisers will find you a great deal on your new mortgage and be on hand to assist you all of the way through to the day you move into your new home.
Borrowing more money
Whether it is home improvements, a large capital expenditure or even consolidating other loans into one lower payment, there are options to be considered. Borrow extra from current lender, borrow from a new lender, keep current mortgage and take a second mortgage or secured loan…? We will look at all of these options with you to help find the most suitable method for your own personal circumstances.
Lower Payment Rates
Sometimes we find great deals and savings to be made that are available to people who just want to switch lenders. Indeed we always offer to review our clients mortgages to see if it worthwhile switching to a new lender.
Buy to Let
Whether it is just the purchase of a single property for a new landlord or reviewing an existing portfolio of properties and loans for an experienced landlord we have access to the whole of the market of buy to let mortgages.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.