Residential Mortgages
Once again we found your personal service to be most helpful, unbiased and to the point.
As a busy company director this has been most welcome and I particularly value that I have always been able to contact you easily; not common these days.
Having dealt with large corporates in the past I found your service a breath of fresh air and I can certainly say that you have taken all the hassle out of arranging our mortgages.
William MainwaringFor most of us, buying a home is going to be the largest financial commitment that we will make in our lifetimes. With the vast choice of lenders and mortgage types available to us, it is important to get the best possible terms to ensure that these meet your personal needs for now and going into the future. Every person’s needs are different and our expert mortgage advice is based on these individual circumstances, ensuring that these needs and particular mortgage deal is the most suitable for them.
Remortgages
The modern trend over the last few years is for lenders to offer low rate mortgage deals, often at a rate fixed for a given period and when this expires, the mortgage normally reverts to the lender’s Standard Variable Rate. More often than not, this is at a higher rate than the introductory mortgage deal and it makes sense to shop around for a better mortgage deal, this is commonly known as a remortgage. Using our knowledge as well as our specialist professional software we will get the best remortgage deal for you.
Buy to Let Mortgages
Following on from the crisis which affected the financial world, new landlords have generally been unable to fund the purchase of a property for rental purposes as an outright sum. To achieve a good return on an investment, it is essential that you get the best possible rates that the market can offer and we will be able to find these for you. Talk to us about your needs and we will be able to find you that rate.
Commercial Mortgages
Whether you are starting in business, or you are an established one, looking for a business mortgage can be stressful coming on top of the normal problems of running a business in today’s market. With our established connections, we can relieve you of looking for finance for this purchase and get for you the most competitive rates available in the UK. Because we are an Appointed Representative of Personal Touch Financial Services Limited, their commercial team has 20 years commercial lending experience with access to over 90 lenders. Naturally, interest rates for business mortgages are dependent on your industry sector, by your business type and your own track record. Some examples of commercial finance which is available includes: offices, pubs, restaurants, shops, hotels and guest houses, farms and industrial units.
Spanish Mortgages
Buying a property in Spain is different to that in the UK, ask anyone who has bought a property in Spain. This can be a daunting and complicated process, but Alison Dunn is a professional mortgage adviser within this area and has experience not only in dealing with Spanish mortgages, but also of living many years in Spain allowing her to offer step by step assistance with the comfort of knowing that your adviser is fluent in Spanish. The first and probably the most important thing that you must do when considering buying a property in Spain is to appoint a solicitor, do not under any circumstances proceed without one. You must be advised that Spanish mortgages as yet are not regulated, however we are a fully regulated UK company therefore we work to UK regulated standards. We can offer mortgages in either Euros or Sterling with a selection of repayment options. Please contact us for further details and advice to suit your personal circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Changes in the exchange rate may increase the sterling equivalent of your debt.
