Buying a residential property is a major financial commitment, whether you are moving home, upsizing, or downsizing. With a wide range of mortgage products available, choosing the right option requires careful consideration of interest rates, product features, fees, and long-term affordability. Our role is to provide clear, tailored advice based on your individual circumstances.
We take time to understand your income, expenditure, deposit position, and future plans before recommending a suitable mortgage. Advice is provided in line with FCA requirements, and all recommendations are subject to lender criteria, affordability assessments, and valuation. Mortgage terms, interest rates, and monthly payments may change over time, and it is important to understand both the benefits and risks involved.
In addition to arranging your mortgage, we help you understand the wider costs of purchasing a home, including legal fees, surveys, and ongoing repayments. A mortgage is secured against your home, and failure to keep up with repayments could result in repossession. We also discuss whether protection may be appropriate to help safeguard your home and income.