FIRST TIME BUYER
There’s a lot to consider when buying your first home, and a lot of ‘ducks to get in a row’! It’s important that you get impartial jargon free advice. At F&H we listen first – we want to know what you want, discuss what you can afford and work with you to get the right mortgage secured.
If you have, for whatever reason, been turned down in the past for a mortgage get in touch with us. As whole of market mortgage advisers we have access to mortgage opportunities where lenders may take a different view on your circumstances, and we can work together on affordability checks and the necessary steps you can take to secure a mortgage offer.
F&H will be on hand from initial consultation right through to completion day. Our greatest satisfaction is being there when you get the keys on moving in day.
MOVING HOUSE
Moving-house can be extremely stressful. At F&H we work closely with our clients to ensure everything runs smoothly. We will liaise with your estate agent and solicitor along the way to make the process as stress free as possible.
We have access to over 5,000 different mortgage products, and during our initial consultation we will discuss other options, rather than just moving your current mortgage to your new home. We will handle all the necessary paperwork and mortgage transition.
Take time to check out other mortgage options when moving. Whilst it might seem like the easiest option to stay where you are, financially it might not be!
If you are working with an adviser from a bank or building society, they will be committed to selling only their products. Sometimes this may mean you miss out on a much better deal.
REMORTGAGE
There are several reasons why people look to remortgage. As the market is extremely competitive there are always new deals available. It’s likely that your mortgage is your biggest monthly out-going so it’s important to ensure that you carry out regular checks, especially if you are coming to the end of a mortgage term or fixed rate.
Reasons to remortgage
- Reduce monthly out-goings; better interest rates and lower fixed rates deals for stability
- Raise capital to extend your property, home improvements
- Coming to the end of a mortgage term. You will revert to a standard variable rate, which can be higher than alternatives available.
HELP TO BUY and BUY TO LET
We specialise in Help to Buy and Buy to Let mortgages (Some Buy to Let mortgages may not be regulated by the Financial Conduct Authority).
LIMITED COMPANY BUY TO LET
Your home may be at risk if you do not keep up your repayments on a mortgage or any other loan secured on it.