Your Home, Your Largest Investment
For most people, your home will be the largest single investment you will ever make, so picking the wrong mortgage can be a very expensive mistake. The wrong product could end up costing you thousands of pounds more over the lifetime of the loan and often what seemed the cheapest option on day one, may not prove to be the case over the long-term.
Current mortgage products mean it is wise to look at your mortgage every few years, particularly at the end of any fixed period. Failing to do so may put you back on your mortgage provider’s base rate which can be many times more expensive than the best rates the market can offer.
To add to the confusion, there are a bewildering number of mortgage types available to select from. Our advisors are here to offer independent and impartial advice on the types of mortgage available to you, and the best options over the lifetime of your mortgage. Talk to us if you are one of the estimated 4 million people stuck in an affordability trap with your current provider, pushing you onto their higher base rate rather than the best rates available which can be significantly cheaper.
Mortgages to fit your need
Full disclosure: For mortgages we can be paid by a procuration payment from the lender or a fee direct to us or a combination of both. Our objective is to arrange the most suitable mortgage transaction for our clients and to be clear about the cost of the advice for doing so. So, we will work out how much the process will cost, disclose this amount to you, and the amount of any procuration payment from the lender and use the procuration payment fee from the lender to offset the overall fee that will be charged to you.
Your home may be repossessed if you do not keep up repayments on your mortgage.