Mortgages
A mortgage is usually the largest commitment you will take on, and the difference between an average deal and the right one runs into thousands of pounds over its life. We advise on the whole of the market, whether you are buying your first home, moving, remortgaging, building a portfolio, or releasing equity later in life. We handle the paperwork and the lender, and we tell you honestly when staying put is the better option.
The difference between an average deal and the right one runs into thousands of pounds over a mortgage term, and the cheapest headline rate is frequently not the cheapest overall once fees are counted.
We advise across the whole market, deal with the lender for you, and will tell you plainly when staying on your current deal is the better move.
Residential Mortgages
Buying, moving or remortgaging. We advise across the market and handle the lender and the paperwork.
Buy To Let Mortgages
Lending assessed on rental income rather than salary. Most buy to let is not regulated by the FCA.
Equity Release Mortgages
Releasing money from your home in later life. It reduces the estate and can affect means tested benefits.
Shared Ownership Mortgages
Buy a share and pay rent on the rest, with the option to staircase to full ownership later.
Commercial Mortgages
Premises for your own business, or as an investment. Lenders look at the accounts as much as the property.
Bridging Finance
Short term lending to close a gap. Expensive, so the exit plan is what matters most.