Mortgages

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Choosing the Right Mortgage - A Guide to Flexible, Offset, and Lifetime Mortgages

A mortgage is a significant financial commitment, and choosing the right type of mortgage is crucial to ensure that you can comfortably manage your payments over the long term. The types of mortgages that may be worth considering are flexible mortgages, offset mortgages and lifetime mortgages, as well as fixed and variable mortgages. A flexible mortgage allows borrowers to overpay or underpay their mortgage as their financial situation changes. This type of mortgage typically allows you to make overpayments without incurring any penalties and, if needed, underpayments. Some flexible mortgages also allow you to take payment holidays, which can be useful if you experience a sudden drop in income. An offset mortgage is a type of flexible mortgage that allows you to link your mortgage to your savings account. The interest on your savings is offset against the interest charged on your mortgage, reducing the overall amount of interest you pay. This can help you pay off your mortgage sooner, and you can still access your savings if you need them.

A lifetime mortgage is a type of equity release mortgage that is available to homeowners over 55. This type of mortgage allows you to release equity from your home without having to sell it or make monthly repayments. Instead, the interest is added to the loan, and the total amount is repaid when the property is sold, typically after the borrower passes away or moves into long-term care. When considering any type of mortgage, it's essential to review the terms and conditions carefully and seek professional advice if needed. Be sure to compare different mortgages, including interest rates, fees, and repayment terms, to find the best option for your circumstances.

Whether you're looking for a flexible mortgage, offset mortgage, lifetime mortgage, fixed or variable mortgages, there are several options available to help you manage your finances and achieve your goals. By doing your research and seeking professional advice, you can make an informed decision and find a mortgage that works for you.

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Residential Purchases

For Home Movers and First Time Buyers.
Buy-To-Let Purchases

For First Time or Portfolio Landlords
Buy-To-Let Remortgages

For Equity Release or Capital Raising
Let-To-Buy Mortgages

For Those Looking To Remortgage
Second Charge Mortgages

For Alternatives To Remortgaging

How Does It Work?

1. Initial Enquiry

Let’s talk through your mortgage requirements and specific needs. You can schedule a consultation with one of our advisors or call us. Alternatively, you can submit your enquiry online and a member of our team will respond to you within 24 hours.
2. Documents

One of our qualified advisers will discuss your situation with you in more detail and advise of any additional information or documentation that is required to carry out a thorough search of the market. Our advisors will research the market for potential rates.
3. Decision In Principle

Following their research, your adviser will present their recommendations tailored to your specific needs. This will include details of rates and any associated fees that may apply. Once ready to proceed, your adviser can request an agreement in principle.
4. Application

When ready to proceed your adviser will submit the full application. At this stage, the lender will assess any supporting documentation requested and make any necessary arrangements for the property valuation and underwriting.
5. Offer

Once the lender is satisfied with the documentation provided and that the property offers suitable security, the formal finance offer will be issued. Once approved, your advisor will discuss your needs and make any recommendations and arrangements for you.
6. Completion

When your solicitor has finalised the necessary legal matters and all parties are ready, you can arrange your actual completion date. The arrangements will be made to request the funds. We will ensure your mortgage is always set up on the most appropriate product for your needs.