Purchasing your first or next home is usually the biggest financial commitment. I am here to "hold your hand" and guide you through each step of the mortgage process. This starts with the initial consultation right through to completion and beyond. I liaise closely with the lender and solicitor on your behalf to provide a stress-free house buying process.
Every recommendation is bespoke to each client depending on their needs and circumstances at the time of the meeting. In current challenging times, it isn't always about recommending the cheapest interest rate - it is vital to discuss additional features, such as payment holidays or overpayments as well as additional costs, including lender arrangement fees, an application fee and a valuation fee. Incentives can be offered by lenders, for example, cash back following completion, free valuations, penalty free overpayments and portability of the mortgage product. All these additional features have been more of a priority, especially since the lockdown restrictions where finances have been affected for many clients.
Unlike some advisers, I am able to research lenders representing the whole of the market (first charge mortgages only) to ensure the most suitable mortgage solution has been recommended to you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate on Buy-to-Let mortgages.
The actual interest rate available will depend upon your circumstances. Please ask for a personalised illustration.