With recent interest rate increases and uncertainty in the housing market, our re-mortgage and home movers offering has proved extremely popular. Whether your current special rate has come to an end or you are looking to release extra funds for any purpose, or moving on, then we can provide the right answer for you.

With ever more mortgage lenders wishing to attract your business an independent view is essential to know you have the most suitable cost effective mortgage product for your needs.

We use the most up to date research methods and offer an in depth explanation of the many types of mortgages available before a recommendation is made.

All initial client meetings are without charge and we take into consideration your attitude towards the types of mortgage available.

1st-Time Buyers

We pride ourselves on the assistance we provide to first time buyers, as this is their very first step on the property ladder and can be a worrying time.

Explaining the mortgage process to first time buyers is fundamental to ensure that our clients are aware of all the risks involved as well as providing guidance on issues such as affordability and making sure that the mortgage is protected in such eventualities as death, illness or unemployment. We are very proud of the fact that most of our previous first time buyers are now regular clients and seek our advice in other areas of their finances.

We can also arrange a suitable solicitor to act on your behalf with your purchase. This allows us to oversee the whole mortgage process often keeping clients informed of progress by email, text as well as by phone, ensuring a satisfactory conclusion.

Equity Release Plans

Equity Release is a term that is given to schemes that help homeowners release some of the capital tied up in their home without the need to take out a traditional mortgage or move.

More and more people have become asset rich and cash poor in recent times with higher values being placed on their respective properties, but relatively poor income streams and lack of ready money in retirement.

This has led to a demand for schemes that are used for extracting money from your property that can provide cash lump sums and/or income.

All equity release products involve borrowing against, or selling all or part of your home, and may work out more expensive in the long term than downsizing to a smaller property, and may affect your entitlement to State benefits and grants. There may be more suitable methods of raising the funds you need.

We offer a full independent service with specialist and knowledgeable advice to ensure that you receive the best possible guidance in this area.

The Financial Services Authority does not regulate Buy to Let Mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage.