Mortgages
A mortgage is one of the biggest financial commitments we can ever make, so it’s important to get it right.
In theory, mortgages sound straightforward: you borrow money to buy a house, pay interest on the loan and once the loan is paid, the house belongs to you. But it isn't too long that you begin to realise that it's not so simple after all, and you might find yourself asking various questions, such as:
How do I know what all the options are?
What is a mortgage and what does the application process entail?
Which type of interest rate is right for me?
What are the main ways of paying off my mortgage?
Should I take out a remortgage because my existing lender has recently increased their rate?
Can I raise some capital on my property?
When I read about such things as "Standard Variable Rate", "Discounted Rate", "Tracker" or "Cap and Collar" how can I understand which is suitable for me?
Mortgages
It is very important to work out which product would be best for your circumstances as often the cheapest looking products may have the highest fees or not have the flexibility you might require. However, the list of who offers what special deals or interest rates for what period of time is extensive and changeable almost on a daily basis. Not only this, but it is likely there will be a different set of both drawbacks and benefits to each one.
Getting onto the property ladder can be a big step. Buying a house is probably the largest financial decision you’ll make so it’s important to have someone who can give you knowledgeable advice and support.
​
Not everyone has straightforward circumstances when it comes to getting a mortgage. If you’re looking for a helping hand to discuss the benefits of using a particular mortgage lender, or which type of mortgage would best suit your situation, I can help.
Let me work with you to find the right mortgage for you with terms and rates to suit your unique budget and situation. As a representative of Openwork, I am fully qualified to advise you on a broad range of lenders and products. This ensures you benefit from genuine choice coupled with quality advice, often with access to some exclusive mortgages which may mean you’ll get a better deal than going direct to UK lenders.
I use the most up-to-date mortgage sourcing software to ensure that the latest deals of our approved lenders are at our perusal, and this, coupled with the fact that I do not charge a fee for my advice hopefully makes the business of arranging your mortgage as smooth and efficient as possible.