Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time consuming experience. The European Mortgage Credit Directive and Consumer Buy to Let is the latest development to affect mortgages. Criteria has tightened to ensure that lenders are lending responsibly as well as to reduce the risk to themselves.
This has resulted in the mortgage market becoming a bit of a minefield, with many borrowers not knowing or understanding the changes that have been implemented. It is not just about choosing the cheapest fixed rate or tracker rate you can find.
This is why it is so important to have a mortgage adviser. We know the background criteria that a lender has and have experience to understand where to place the application that will not only offer you great rate but also offer a hassle free application. We deal with lenders on a day to day basis so know what to do to ensure there are minimal delays.
We are on your side, not the mortgage lender’s. We will give you independent unbiased advice in a friendly professional manner based on your own individual circumstances. We will see the mortgage application through from start to finish, our service doesn’t end with a mortgage offer and our testimonials reflect this.
Please contact us on 01489 574355 or via the Contact page on our website, to arrange a free, initial no obligation consultation at our office in Park Gate, Southampton, Hampshire.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.