Mortgage and Equity Release

It is widely agreed that buying a home can be one of the most stressful times of your life. Part of the stress is caused by the worry about finances:

  • How much can I afford to borrow?

  • Should I have a fixed, tracker or variable rate?

  • Is my credit history good enough?

  • What insurances do I need?

We can take this worry away by answering these and many other questions for you and guiding you through the mortgage maze. We have been providing mortgage advice for over 20 years and have seen all market conditions from “gazumping” to negative equity.

As independent mortgage brokers we will act on your behalf to find the best deal to suit your circumstances. You may not be moving house, but have a mortgage that is coming to the end of a fixed rate period and need advice on what to do next. Again, we will use our expertise to source a suitable deal from the market.

Another dilemma is insurance. We can discuss all the relevant insurances with you:

  • Life insurance

  • Critical illness cover

  • Long term sickness cover

  • Unemployment cover

  • Buildings & contents insurance

By conducting a thorough review of your circumstances, we will recommend the right policies for you based on your needs and budget.

Many people in retirement are finding that their income has not kept pace with the cost of living and they increasingly have to “watch the pennies”. Ideally, retirement should be a time to be able to enjoy yourself and do the things you’ve always wanted to do.

If you own your home and are over 60, equity release may well be the perfect solution to this problem. It enables you to unlock some of the value within your house to provide you with a lump sum or an income. You can still live in your home, do not have to make repayments and can never owe more than the value of your house.

As this is a specialist area, we would liaise with your solicitor to ensure that you are fully aware of the legal aspects of equity release. As independent mortgage brokers, we can then research the whole of the market and select the right deal for your circumstances.