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    Professional & Independent whole of market mortgage advice personal mortgage and buy-to-let specialists

Mortgages

We offer a personal bespoke service – providing independent advice and recommendation on mortgages from the whole of market for those who are looking to purchase their first home or their tenth.

All our advisers are qualified and experienced, so they can guide you through the whole process from acceptance of an offer on a house, right through to moving in.

We advise those who are looking to purchase their first home, move house or just simply remortgage where their existing deal is due to expire.

Our advisers pride themselves on their knowledge within the specialist mortgage market helping customers with more complex cases or incomes. As well as helping Buy to let landlords with one or many properties (including Portfolio & Limited Company).

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First Time Buyer

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Moving Home

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Remortgage

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Buy To Let

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First Time Buyer

First Time Buyer

Providing individual mortgage advice; personal to you

Buying your first home can be a very daunting experience which is why we are on hand to explain the whole process from start to finish as it is important to get the right advice.

Below are some key points to consider;

Affordability

  • Your income and expenditure will be part of the affordability assessment

Deposit

  • The bigger the deposit, the better the rate that will be offered. The minimum deposit required is 5% of the property purchase price

Schemes Available

  • There are several government schemes available to help First time buyers onto the property ladder

Costs : You will need to consider the associated costs with purchasing a property;

  • Arrangement / Product fees
  • Valuation / Survey fees
  • Solicitors costs
  • Adviser fees

Call us and speak to one of our friendly qualified advisers today for more information.

CALL US ON 01489 580020

Moving Home

Moving Home

Are you looking to move home?

When you are looking to move, securing the property in a timely manner is paramount. Our friendly qualified advisers can assess your financial needs in order to help you get the best deal that’s right for you;

Our advisers will;

  • Find out exactly what you would like to achieve so we can help
  • Assess your income and expenditure
  • Source the best options from the market not just your current lender
  • Advise you how much your monthly mortgage payments are likely to be
  • Recommend the best mortgage to meet your current and future needs and circumstances
  • Discuss protection so once you secure your home you are able to stay there should the worst happen

We can answer all your questions about the house moving process and are here to make things easier for you so we can be flexible with appointment times to work around your schedule.

Call us and speak to one of our friendly qualified advisers today for more information.

CALL US ON 01489 580020

Remortgage

Remortgage

Why Remortgage?

Starting the remortgage process before your current product ends could potentially save you money. We can help you by switching to another deal with your existing lender or completing a new application with a different lender. We review the whole of market so we can secure the best rate available to meet your needs and circumstances.

It’s best to do this as early as possible, (3-4 months before your current rate is due to finish) so you do not move onto your existing lenders standard variable rate which is often higher and therefore your payments could significantly increase.

A remortgage can also be a great option if you are looking at borrowing additional money to fund the cost of home improvements, or to pay off more expensive debts. Whatever your requirements are we can help.

We will answer all your questions about the different options; of raising additional funds or just renegotiating your rate, and we are here to make things easier for you. We can be flexible with appointment times to work around your schedule.

Call us and speak to one of our friendly qualified advisers today for more information.

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CALL US ON 01489 580020

Buy To Let

Buy To Let

When you are looking to purchase or remortgage a Buy to Let, it is important your adviser has in-depth knowledge of the buy to let market as lots has changed in recent years.

Our advisers can help with;

  • First time landlords purchasing their first Buy to Let
  • Experienced landlords refinancing
  • Portfolio landlords (4 properties or more)
  • LTD company (Special purpose vehicle or trading) Buy to Lets
  • Houses of multiple occupancy (HMO) or multi-unit buildings (MUB)
  • We will source the best options from the market and recommend the best mortgage to meet your current and future needs and circumstances
  • Please note we cannot provide advice on tax

Call us and speak to one of our friendly qualified advisers today for more information.

CALL US ON 01489 580020

Mortgages

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Buildings & Contents Insurance

Later Life Lending

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    1631 Parkway
    Solent Business Park
    Fareham
    Hampshire
    PO15 7AH

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