Excellent, individual and personal service. For numerous years I’ve had the pleasure of having services provided by Scott and the team. The tailored packages and attention to detail have been brilliant and I must say are part of the reason I currently live in my dream home. I’ve referred Scott’s services to many business and friends, all having brilliant experiences
Mortgage & Equity Release Services
A long history of advising on mortgages
Our team have a long history of advising on mortgages and we understand the importance and pressure involved with such significant life events such as buying a new home, perhaps looking at investment properties or exploring how your property can assist with your retirement income needs.
We support clients through the various stages of the journey
Purchasing A New Home
Not only working out the maximum a lender determines you can borrow but discussing the maximum you feel comfortable borrowing and how that relates to monthly cost and future interest rate risk. Those with complex income structures are a particular speciality, such as business owners who may have smaller income and larger retained profit.
Re-mortgaging
Ensuring you have the keenest rate possible at all times but importantly discussing what future movements in interest rates may mean and how that fits with your affordability and financial plan, to determine best route for you.
Investment Property
Buying an investment property, whether as a traditional Buy-to-Let or a Holiday Let, has become more complex as the market has developed over the years. With increased regulatory burdens, tax considerations and ever stringent lending criteria. As experienced property advisors and investors, we can guide you through the process and whether purchasing through a Ltd Co structure is best for you.
Equity Release
The largest asset many own and an opportunity for it to assist with your retirement income planning or lifestyle, provide capital for a one off need and to help family. The market that has grown and products evolved significantly over the last 20 years. They are a great financial planning tool in the right circumstances but like most things in life, there are pro’s & con’s to fully consider. As long standing members of the Equity Release Council, we’d be delighted to discuss your options with you and your family.
Do you have any questions?
If you are interested in finding out more about becoming a client, please get in touch and we’d be delighted to have a coffee and chat with you.
