Residential Mortgages
Buying a home can be a stressful exercise and the need to identify a suitable mortgage scheme from the vast array available can add to the pressure. Specialist knowledge of the marketplace via an Independent mortgage adviser can be the key to finding a competitive scheme with a lender who understands your particularly circumstances.
Reviewing your mortgage regularly is essential to ensure that your borrowing remains competitive and you are paying the lowest level of interest possible. Reviews to ensure you are on target to repay the mortgage capital at your target date are also an essential part of the management of your mortgage.
Services offered:
- Residential Purchases
- Remortgages and further advances
- Advice on rate reviews
- Capital repayment strategies
Investment Property Mortgages
Despite the end of the recent property boom, Buy to Let and Let to Buy mortgages are still an essential part of the mortgage market. New landlords may see opportunities to get into the market at reduced prices and existing landlords should review their costs to maximize profits from rent.
Services offered:
- Buy to Let purchases
- Remortgage and further advances
- Advice on rate reviews
Commercial Borrowing
We work with specialist lenders and major banks to ensure that businesses have access to the finance they need, structured correctly and at the lowest possible cost. Our wealth of experience and position of influence in the market place can help clients structure their borrowing appropriately and assist in presenting applications to prospective lenders in the best possible light. We will work with you to achieve the best rates and loan structure with your existing lenders as well as approach new lenders if more competitive rates can be achieved.
Services offered:
- Finance for new projects
- Restructure of existing borrowings
- Packaging proposals and business plans
- Agricultural Specialists
- Lending for pension schemes
Your property may be repossessed if you do not keep up repayments on your mortgage
For mortgages we charge a fee of 0.4% of the loan advance subject to a minimum charge of £350. The minimum fee is also due where proposed transactions are cancelled after application. Alternatively we can be paid by an hourly rate as detailed on the fee based service page.