Mortgages

Credit Crunch? Interest Rates Moving?

Buying and selling a home is stressful. Arranging the right mortgage is a key part of good financial planning. We can help put your mortgage into perspective. Consider a mortgage of £250,000 repaid over 25 years with an average interest rate of 7%. You will part with £536,000 of your taxed earnings over 25 years. Getting the right mortgage that suits your lifestyle and other commitments is vital.

Where possible we will help you to reduce the total amount that you pay towards your mortgage by securing the best rate of interest and repaying your mortgage more quickly. This makes better use of your money and of course reduces the financial pressure that you are under.

There are thousands of different mortgages available and finding the right mortgage is problematic. Many lenders appear to offer a good deal, only to disappoint with poor service, or declining an application that “does not meet their lending criteria”. This is why a mere search along the high street or internet is not really sufficient for probably your largest commitment. Getting the wrong mortgage may lead to all sorts of problems.

We have forged strong relationships with key decision-makers within mortgage companies. Our expertise and the high quality mortgage business that we provide enables us to arrange mortgages that may otherwise be difficult or perhaps impossible to arrange.  It goes without saying that we have access to every mortgage available.

Just because most people have a mortgage, does not mean that this is a simple financial commitment. The global credit crunch is largely a consequence of poor decisions by both lenders and borrowers. The number of repossessions in the UK is on the increase as many people have taken on too much personal debt. This of course forms part of a wider discussion about budgeting and planning. Clearly your mortgage needs to be affordable.

Our expert advice will ensure that you have the right mortgage on the most favourable terms available. Get in touch for us to review your mortgage or discuss your plans.