Purchases and Remortgages
From invaluable advice for purchasing your first home to scouring the market for the best remortgage deals, our advisers have your best interests at heart so you can rest assured that you’ll receive honest advice and competitive deals.
Purchases and Remortgages
Getting a mortgage is a huge financial step, so it’s a decision that you’ll want to get right.
Put simply: a mortgage is a loan taken out to buy a property and is secured against the value of your home until the mortgage is paid off.
When applying for a mortgage, you’ll need to:
- Prove you can cover the monthly mortgage repayments, even if interest rates were to rise or your financial circumstances change.
- Undergo a credit check with a credit reference agency to look into your financial background – this is to assess the risks of lending to you.
Remortgaging is where an existing mortgage is switched to a new deal – either with the current provider, or a different one. It’s usually used:
- When the fixed or discounted rate on the mortgage ends, and the long-term variable rate is introduced, as this tends to be higher than the rates on new mortgage deals
- To consolidate debts
- Fix monthly payments
- Reduce the interest rate on your current mortgage.
Not the right service for you?
We hold your hand every step of the way
Advice
Your trusted adviser will work with you to help you choose the best options for you
Case Management
Our expert case managers are on hand to complete all of the paperwork and make sure everything is on track
Completion
We’re with you throughout your journey – all the way up until the keys are in your hands or the investment is financed!