Relationships are vital to achieving the very best outcomes. We forge these with both our clients and with representatives at lending institutions. This means we have the greatest choice of solutions at our fingertips, which we then consider against your borrowing needs.
We’ll advise you on the most suitable products for you. We’ll undertake a mortgage comparison based on your needs and circumstances. The mortgage interest rate is always part of the equation, but so is future flexibility and the small print. Experience and attention to detail means that we’re used to providing solutions that other advisors may not have considered. Your home may be repossessed if you do not keep up repayments on your mortgage.
Residential Mortgage Solutions Include:
High-Value Mortgages
High value mortgages for high net worth and high-income clients, including complex financial circumstances.
Interest Only Mortgages
For experienced homeowners or investors, there are some occasions when an interest only mortgage is attractive, especially if you expect a substantial increase in income, or are expecting a large lump sum to allow you to pay off part or all of the mortgage within a few years.
Offset Mortgage
Offset mortgages allow you to use your cash savings to reduce your interest costs whilst retaining access to those savings. There can be an additional tax benefit for higher rate tax payers as no interest is payable on those savings. Combined with interest only, this can be an attractive option. Not all mortgages provide offset, and there is often a pricing difference, so a comprehensive review of both offset and standard mortgages is necessary.
Joint Borrower, Sole Proprietor and Guarantor Options
Adding borrowers who will not be owners of the property can increase the potential options for buying and refinancing.
Equity Release
If you are over 55, equity release is a way of releasing equity from your home without having to move. Whilst we don’t provide advice on this ourselves, we are able to introduce you to a trusted third-party specialist in this area.
Equity Release includes Lifetime Mortgages and Home Reversion Schemes.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
Your property may be repossessed if you do not keep up repayments on your mortgage
