Who we work with
Mortgages change the way we spend and live. Most people have one, and it’s often our biggest expense.
The mortgage market is competitive and can be intimidating. Lenders offer a range of deals and options; alone, it’s almost impossible to ensure you’re making the right decision.
Our job is to understand the market so that we’re always able to recommend the most suitable and cost-effective option for you.
We work with first-time buyers, people moving home, existing homeowners looking for a remortgage and Buy to Let investors. Our dedicated team will search the whole of the market to find the right mortgage for your circumstances.
Here’s what we do for First-time buyers:
- First-time buying can be daunting. We’re here to guide you every step of the way, beginning by explaining the whole homebuying process; what happens, when, and the fees required.
- We show you how much you can borrow and the amount of deposit you will need to pay. We also explore the different mortgage options with you and explain how much your repayments will be.
- We work alongside you through every step of the transaction to ensure that the whole process is completed as quickly and as smoothly as possible.
Here’s what we do for Home movers:
- Moving home can be a stressful process. From experience, we know that the first step in eradicating any anxiety is to find the right mortgage for you. As Independent Mortgage Advisers, we can make recommendations from the entirety of the market; our experienced team can therefore recommend the best option for you.
- We will talk you through all the details to inform your decision making: including interest rates, insurance and arrangement fees.
- From our initial discussions to the day you get the keys to your new home, we’ll be with you every step of the way.
What we do for Remortgagers:
- We help you establish whether a remortgage could help reduce your monthly payments, leaving more money for you. With this, you may choose to improve your existing home instead of moving.
- We assess your situation and recommend the best option for you, whether that’s a Standard, Variable or Fixed rate mortgage.
- As Independent Mortgage Advisers, we’re in your corner. You can trust us to give truly independent mortgage advice and do what’s right for you.
What we do for Buy-to-Let Investors:
- The recent changes to mortgage lending make Buy-to-Let mortgages an area that increasingly requires the help of a specialist.
- We help those looking to add property to their portfolio, remortgage an individual property or raise additional capital to find the right mortgage.
- We can review your existing Buy-to-Let mortgages and maximise your portfolio to minimise tax.
Working with us will give you confidence in your choices regarding your mortgage. With our help, you can rest assured you’re making informed decisions that will allow you to achieve your objectives, whether you’re buying for the first time, moving home, looking to reduce your mortgage repayments or buying to let.