Mortgages

First time. buyer Remortgage. Buy to let. Equity Release. Capital Raising

We offer independent whole of market advice, representing you the client. We are not affiliated with any lender or lender panel. We are completely independent.

We understand the buying and selling process can be an emotional and stressful time. We can offer a service that fits your needs. Some people want help throughout, their hand held, others only need certain services. We will respond with what you need.

We believe we are quicker than approaching the lenders directly and we aim to speed up the process for you, ensuring you don’t lose the property that you want to be your home.

First Time Buyers, Remortgagers or Home Movers, we have 24 years’ experience of helping clients that you can benefit from.

Retirement Mortgages, Lifetime Mortgages, Home Reversion Plans, Retirement Interest Only Mortgages

Did you know you can move home using Equity Release, so if you’ve always wanted to retire to that house with the little garden, well it may be possible using Equity Release.

The market is fully regulated by the Financial Conduct Authority. We can advise you if Equity Release schemes are appropriate for your circumstances and if you can make a plan which covers your needs.

Equity Release is one way for homeowners who are aged 55 and over to release money from their house to provide you with a tax-free lump sum or a regular income. You can choose if you want to make any monthly repayments and can use the money to boost your retirement income.

Some providers allow you to make payments against the loan in a flexible way.

You can spend the money on whatever you like. Equity Release could be the solution to help with bills, paying off debts, make home improvements, helping grandchildren onto the property ladder, a new car or holidays.

• Affordability calculations & credit checks
• Decision in Principle & Full Application
• Loan to Values, Fixed Rates, Tracker Rates & Choices
• Valuations & Surveys
• Solicitors, searches & conveyancing
• Buildings insurance
• Mortgage protection that can be made to fit your needs.
• Stamp Duty
• Reviews

Stage 1. First time Buyer
Save like crazy for the minimum acceptable deposit to buy your first home. Move in.
Emotion.
Delirious Excitement that you are no longer renting or living with parents.

Stage 2. Remortgager
Having first child, maternity pay, reduced household income.
Emotion
How are we going to cope? Why didn’t we save a bit more after buying?

Stage 3. Home Mover to a bigger house
Growing Family. Moving to a bigger home with good schools nearby. Using the home to raise money from Equity to buy a family car.
Emotion
How did you ever afford to have a Life & pay your Bills.

Stage 4. Downsize Home Mover
Pay rises at work allow the mortgage to be paid off more quickly. Children have moved on.
Emotion
Disbelief, you actually have some money left in your account at the end of the month.

Stage 5. Equity Release
Realisation that you are older and you need to do things before your body won’t let you. Use an Equity Release Mortgage to travel and gift money to your family for them to use as a deposit on their first homes.
Emotion
How in control are we. So nice to be able to help family avoid struggling like we did. Doing the right thing has paid off, for everyone.