Your house is likely to be the most expensive asset you will ever buy. There are a multitude of different mortgage products to choose from including fixed rate mortgages, discount mortgages, tracker rate mortgages or even an offset mortgage. Deciding on the most suitable mortgage option is often a confusing and time consuming choice to make, and potentially an expensive one to get wrong. Choosing a mortgage that is suitable for your needs and circumstances therefore involves a great deal of thought and careful consideration.
As a qualified and experienced Independent Mortgage Adviser based in Solihull, I offer a bespoke financial planning service providing impartial, unbiased and independent mortgage advice for a variety of clients in Solihull, Birmingham, Monkspath, Dickens Heath, Knowle, West Midlands and the Warwickshire area.
If you are an existing homeowner moving house or re-mortgaging for a better interest rate, a first time buyer looking to get a foothold on the property ladder or a buy-to-let investor, I can research thousands of mortgage products available on the marketplace to provide the most suitable mortgage advice. Being an Independent Mortgage Adviser (or Mortgage Broker), I am able to recommend the most suitable mortgage and related protection products for your personal circumstances and financial objectives. If you are an existing homeowner, moving mortgage lenders can be a daunting task however it can also reduce your monthly outgoings or repay your mortgage years earlier, which is why you should seek Independent Mortgage Advice from an experienced Independent Mortgage Broker.
Would you like to reduce your monthly mortgage payments?
Do you have an existing mortgage with a special rate expiring soon?
Are you currently paying your lender's standard variable rate of interest?
In an attempt to overcome the various economic issues facing UK residents, the Monetary Policy Committee (MPC) have voted to reduce the Bank of England base rate from 5.75% at the beginning of 2008 to a record low of just 0.5% from 5 March 2009 (source: Bank of England). There has also been ongoing political appeal to implore lenders to reduce their mortgage rates in order to help homeowners and first time buyers during the recovery period after the recession.
With a limited number of mortgage products to choose from, it is vital that mortgage holders obtain an unbiased recommendation from a local Independent Mortgage Adviser or Mortgage Broker who understands the ever-changing mortgage market. If you have been refused a mortgage elsewhere, have an existing sub-prime mortgage, or have an impaired credit rating, my mortgage advice may be able to help you. Mortgage lenders may also insist on some form of life assurance for your mortgage in the unfortunate event of the death of the borrower (or borrowers in the case of a joint mortgage) before the outstanding debt is repaid. It is therefore important that you also consider relevant life assurance and income protection when taking out a mortgage.
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You can choose how to pay for the advice by agreeing for a commission fee paid from the selected lender, a set fee (depending on the mortgage amount) or a combination of the two. If a fee is chosen, the available commission will be used to offset the fee you pay. Full details of this will be discussed and outlined before any research is performed.
Think carefully before you secure debt against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
