Whether it’s for your first home or the next addition to your property portfolio, taking on a mortgage is a big financial decision. Get it wrong and the mantra ‘’your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it’’ can haunt you and throw obstacles at you, for many, many years.
The mortgage market is complex, always changing, and competitively selective. Fortunately, we can provide independent mortgage advice, including deals which are not available either on the high-street and/or not available other than through an independent mortgage broker.
We take the time to understand your specific needs; we’ll help you define your mortgage needs beyond ‘’the cheapest one year discount’’ and then we’ll use our extensive experience, contacts and scarily expensive database to find the right mortgage solution for you.
The mortgage market is in a constant state of flux, and it has always been the case that it is a lenders choice as to who they lend to, and and what rate that money will be lent.
With high street lenders, it’s often about how we package your dream and passion, but sometimes the high street, or aggregators just don’t have competitive solutions.
We find that the high street is particularly unwelcoming if your heart is set on a ‘non-conventional build’, complex considerations, or if you’re not at least 20 years into a career with the same employer on a seemingly guaranteed salary, for example, owner-manager directors, contractors and the self-employed.
Luckily for you, after our mortgage experts have helped you define your specific needs, they’ll know where to search to find the best available deal for you.
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The availability of first-time buyer mortgages is painfully linked to the wider economic context. During times of broad financial distress [such as the global financial crisis], they can be as rare as hen’s teeth. During times of economic growth and prosperity, the availability of first-time buyer mortgages may feel more like ‘buy one, get one free’.
The good news is that our mortgage experts understand the market and will help you find the most competitive mortgage solution to meet your needs. Including, but not limited to:
Our mortgage experts understand the market and will help you find the most competitive mortgage solution to meet your needs. Because we are independent, we source products from the whole of the market and often have access to special rates and products that aren’t directly available to you.
You’ve reached the end of your current deal, or you think it’s just not competitive or suitable, or perhaps you want to release some of the value in your bricks and mortar for discretionary spending, our mortgage experts can help. They understand the market and will help you find the most competitive mortgage solution to meet your needs. Because we are independent, we source products from the whole of the market and often have access to special rates and products that aren’t directly available to you.
We’re sorry, splitting up is never easy. We have a Chartered Financial Planner available to help you, Paul C is a member of Resolution, the solicitor’s family law association, and can talk you through all of the practical implications of splitting up, the importance of ‘timing’ and legal robustnesses. If we think you need some legal support, we know the right people for you to talk with.
At the right time, our mortgage experts understand the market and will help you find the most competitive mortgage solution to meet your needs. Because we are independent, we source products from the whole of the market and often have access to special rates and products that aren’t directly available to you.
Expect to have a ‘balanced’ discussion; the upside of buy-to-let is self-evident, but our independent financial advisers will help you consider this as a wider part of your financial plan, particularly in respect of liquidity and risk, ensuring you’re not wearing rose-tinted glasses [we do have a duty of care to you]. Location and price are key, get them right and your buy-to-let proposition could be very desirable, particularly for creating additional, potentially relatively passive income.
Our mortgage experts understand the market and will help you find the most competitive mortgage solution to meet your needs. Because we are independent, we source products from the whole of the market and often have access to special rates and products that aren’t directly available to you.
We have independent financial adviser who hold the specialist lifetime equity release qualification and ‘Later Life Specialist’ accreditation.
Later life equity release is available to homeowners aged at least 55. It’s a way to release tax-free funds from your home, without having to move. It is an increasingly popular way for people in, or approaching, retirement to boost their finances.
With an equity release lifetime mortgage you don’t have to make any monthly repayments. Instead, the interest with your lifetime mortgage is added to the loan.
The loan plus interest is then repaid when the plan comes to an end, which is usually when you, or the last remaining borrower, either passes away or enters long-term care. Typically, your house will then be sold and the equity release provider will take their money from the sale proceeds. The remainder goes to you or your estate.
We will only recommend plans which come a ‘no negative equity guarantee’. With it, you’ll never owe more than your home’s worth. So, any debt you accrue through equity release can’t be passed on to your loved ones after you’ve gone.
We can also help with the remortgaging of properties which are subject to a lifetime equity release mortgage, either to another lifetime enquiry release mortgage [releaseing additional funds or improving the interest rate] or back to a conventional mortgage.
Equity release is regulated by the Financial Conduct Authority (FCA) whose primary role is to protect customers and enhance the financial market’s integrity. We’re authorised and regulated by the FCA, ensuring all our processes and recommendations are clear, fair and not misleading to customers.
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages, commercial finance or offshore mortgages. Levels, bases of and reliefs from taxation may be subject to change and their value depends on the individual circumstances of the investor. Unless specifically stated otherwise, this page does not allow for the additional taxation powers which may be levied by the devolved governments. All information is offered in good faith and is believed to be correct at the time of publication however it may be superseded following publication. E. & O. E.
Investment & Retirement Solutions Ltd is authorised and regulated by the Financial Conduct Authority
Registered in England & Wales (6884783) at Ransom Hall, Ransom Wood, Nottinghamshire, NG21 0HJ
