Mortgages
Buying a house is one of the most important decisions a person can make. For most people this requires a loan secured against a property in the form of a mortgage.
Mortgages can be quite complex, with various options to consider such as fixed and variable rates, arrangement fees, early repayment penalties and flexible or offset products. All of these areas need to be considered in the context of affordability, and we will help you to understand the effects of future changes in interest rates on your payments.
It is vital that people fully understand the mortgage product they are applying for, and that it meets with their individual requirements and priorities. Our advisers can review the mortgage market on your behalf and help you to assess the features that are most important to you.
Once a recommendation for a mortgage is made, we will help you with the application process and take control of the process through to completion of your mortgage. As your adviser, we will be the first point of contact for your mortgage lender during the application process and this often means that we can answer queries without having to refer to you, ultimately saving time.
We will also discuss the use of any insurances that may be appropriate for you, such as life and critical illness insurance to protect your home in the event of death or ill health.
