Buying a home
We're here to make your life a little bit easier
Home is where the heart is...
For many of us, buying a home is probably the biggest financial investment we'll ever make. It's not just an investment, it's the place you return to after an exhausting day at work. It's where your children or grandchildren grow up. The point is, when you are buying a home, we understand that there's a strong emotional connection with that property.
Getting the right advice is vital
We can advise on you on the best options available to you. We're not tied in with any lenders, so we can make sure you get a mortgage that is right for you and your circumstances.
Typically, straightforward residential mortgages tend to fall into these categories.
- First time buyers: Getting your foot on the first rung of the property ladder can be tough. We can make sure you are aware of any support available such as 'Help to Buy Schemes'.
- Residential Mortgages: For the purchase of homes that become your main residence.
- Remortgages: You may want to change your mortgage supplier because your current fixed or discounted rate is coming to an end, or simply to find a better deal.
There are other mortgage types available that are designed for very specific situations. These work differently to straightforward residential mortgages. We can advise you on the best approach depending on your situation and can look a a variety of options.
- Buy to Let Mortgages: These are specifically designed for properties that are let to tenants. These mortgages are often more expensive than standard residential mortgages.
The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages.
- Equity Release or Lifetime Mortgages: You may be facing a pension shortfall or simply want to tap into the wealth you have accumulated in your property without having to move.
Lifetime mortgages are complex products. To understand the features and risks, ask for a personalised illustration.
Think Carefully before securing other debts against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage.