Mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage.

Obtaining a mortgage can be one of the largest financial commitments during your lifetime. Buying a property, remortgaging or extending a loan can be a stressful and time-consuming experience. In recent years, the mortgage market has seen enormous change with tighter regulation and lower mortgage sums being offered to borrowers.

It is important to understand the difference between getting advice about a mortgage and applying for one. Loans are available everywhere; through your bank, over the internet and even at the supermarket. Advice is only available from a qualified mortgage adviser. Do you choose a fixed rate? A tracker rate? Or just a simple discounted rate? What about the term and the total interest charged? The decisions are key to the cost-effectiveness of your selected loan. As a result, finding the right lender and loan can be a minefield. If you need to borrow money it is important to do so on your terms, not just the lender’s.

We refer mortgage business to another Intrinsic Firm called ‘My Mortgage Advice Centre’, to provide a whole of market mortgage advice service to our clients. They provide advice on property purchase, buying to let, and remortgaging. They can search the market for you to source the most suitable rate and terms then carefully explain it all to you. They provide advice on the kinds of surveys available, help you with solicitors and assist you in completing the transaction.

Should you wish to know more contact us and we’ll be able to help by working together to find the best solution for you.

  • Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
  • The Financial Conduct Authority does not regulate Buy to Let Mortgages.