Mortgages

Getting the key of your first home is one of the great moments in life and there are few things more exciting than buying the perfect property for your needs. Whether you are a first time buyer starting out on the property ladder, require more space for the family or are looking for an investment property to rent, it is likely you will need a mortgage to help you make your move.

Alternatively, you may be looking to capitalise on the growth in value of your property to help you with other projects. Re-mortgaging a property to provide money for a business, home improvements or perhaps debt consolidation is now a very common occurrence.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The choice of mortgage lenders has multiplied as have the number of different mortgage types. There are now products to suit the needs of almost every borrower.

Finding the mortgage suitable for your circumstances can be a problem simply because of the increased choice.

When considering any mortgage finance you must understand that this is a significant financial commitment. Loans are often subject to checks in respect of your ability to repay the debt and the value of the premises that you wish to purchase.

We offer advice on a range of mortgages from Purchase to Re-Mortgage, Buy to Let, Let to Buy through to Right to Buy and Commercial or Residential mortgages.

Simply contact us to arrange for a consultation or quotation, if you need any help, just contact us on 01482 658989 or complete our contact form and one of our Advisers will contact you directly.

Home Insurance

Insuring your home from the elements, malicious or accidental damage is usually a condition of the mortgage lender that provides finance on your property. Even if this were not the case it makes good sense to ensure you have a call on sufficient funds to make repairs should disaster strike. Such cover is available from a Buildings Insurance policy.

Many people allow their mortgage lender to suggest the provider of this valuable insurance cover. This could mean that the premiums you are paying are higher than really needed. With many insurance companies offering good quality low cost insurance cover it might be wise for you to consider arranging alternative cover to replace the existing insurer.

While buildings insurance is concerned with the fabric of your home, this is not the only thing at risk. It is equally important to safeguard your possessions and to do this you need Contents Insurance. This can be provided by a separate policy or included as part of the same Buildings Insurance policy. Although insurance can never cover the sentimental value of your personal belongings, good quality policies could provide the money to replace broken, damaged, or stolen items.