MORTGAGE SERVICES
Remortgaging Your Property
Can you save some money?
Would you like to save some money, pay off debts, raise some capital or do some home improvements to your property? You could benefit from our no obligation Mortgage Review Service!
So many people leave their mortgage sitting on the lenders Standard Variable Rate (SVR) or are paying way over the odds with a Fixed Rate mortgage. Naturally, it’s not in your current lenders interest to offer you a better rate, however, other lenders want your mortgage business and many will offer you a free valuation, free legal fees and a better mortgage interest rate to incentivise you to change.
You have nothing to lose to find out if you could save some money, and could make your finances or your property a little more comfortable! At the same time we can even review your protection and home insurance to see if we can save you even more money.
All our advice is absolutely no obligation, meaning there’s no up front cost/expense just to see if there is a great remortgage product for you, that could put you in a better position. Naturally we prefer to come round and see you in your home at a time of your convenience, however we do understand you may be extremely busy – so we can always take you through the options over the telephone.
You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial Meeting | What You Need To Know- Introduction to the services that we offer
- Check your existing mortgage to see if there are any Early Repayment Charges (ERC).
- Explain the costs involved with remortgaging (if there are any)
- Explain the types of mortgages available to you
- Give you some examples for your new mortgage payments (rates change on a daily basis so the mortgage rates shown may change by the time you actually apply for your mortgage)
Research & Application- We will then research the Whole of the Market including the many Exclusive rates we have access to and recommend the most suitable and cheapest remortgage available to you
- Review your existing Protection to see if it adequate or we could save you some money with our Protection products from the Whole of the Market
- Review your current Home Insurance and see if we can save you some money with our panel of Insurance companies
- Complete all the application paperwork for you
- Obtain all the documents your chosen lender is likely to require to process your application
- We will submit your application to the lender and chase it through until you receive your Mortgage Offer
- We will check and explain to you all the information and conditions within your Mortgage Offer
- We will then liaise regularly with you and the lenders solicitors to ensure your remortgage goes through as quickly as possible
Keeping You Informed | After Sales Service - Contact you to check you are happy with everything we have done for you
- Check that covered by your insurance and protection policies are “in force”
- Contact you if more competitive products become available
- Contact you a few months before your new mortgages “Initial Rate” is due to expire (e.g. when the 2 year fixed rate is due to finish) to arrange your no obligation remortgage review
- Be available if you ever have any questions about you mortgage, protection and insurance arrangements
First Time Buyer
Looking for your first home is a very exciting time but it can also be a minefield of processes, paperwork and jargon. With all the other stresses on top, this can make the whole process really overwhelming.
You might feel that you want to ‘hold off’ speaking to a mortgage broker until you’ve found the right home for you… but it really is a good idea to get us involved at an early stage, before you start viewing properties, to get an offer in principle – which makes it easier to negotiate when you do find the home of your dreams.
We aim to guide you through it all, giving you all the information and help you need from start to finish saving you lots of time, hassle and money.
We can advise you on all types of mortgages such as Residential Mortgages, Low Deposit Mortgages, Guarantor Mortgages, Shared Ownership, Shared Equity mortgages, New Build Mortgages and Right to Buy mortgages.
For Right to Buy mortgages the overall cost for comparison is 6.4% APR. The actual rate available will depend upon your circumstances. You can ask us for a personalised illustration.
Naturally we prefer to come round and see you in your home at a time of your convenience, however we do understand you may be extremely busy – so we can always take you through the options over the telephone.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial Meeting | What You Need To Know- Introduction to the services that we offer
- Explain the costs involved with moving home
- Explain the types of mortgages available to you
- Complete an Agreement In Principle (AIP) to give you an accurate idea of your borrowing potential and whether or not you can get the mortgage you need
- Give you some example for your monthly mortgage payments (rates change on a daily basis so the mortgage rates shown may change by the time you actually apply for your mortgage)
Staying In Touch After Your MoveWe will then keep in contact with you and be available for any questions or any further figures you may require.
Finding The Best Mortgage- Research the Whole of the Market including the many Exclusive rates we have access to and recommend the most suitable and cheapest mortgage available to you
- Explain and recommend the most suitable and best priced Protection products from the Whole of the Market
- Explain and recommend the most suitable and best priced Home Insurance from our panel of Insurance companies
- Complete all the application paperwork for you
- Obtain all the documents your chosen lender is likely to require to process your application
- We will submit your application to the lender and chase it through until you receive your Mortgage Offer
- We will check and explain to you all the information and conditions within your Mortgage Offer
- We will then assist you by regularly contacting your estate agent and solicitors to help your house move go smoothly and speedily
After Sale Service | Keeping You Informed- Contact you to check you are happy with everything we have done for you
- Check that covered by your insurance and protection policies are “in force”
- Contact you if more competitive products become available
- Contact you a few months before your new mortgages “Initial Rate” is due to expire (e.g. when the 2 year fixed rate is due to finish) to arrange your no obligation remortgage review
- Be available if you ever have any questions about you mortgage, protection and insurance arrangements
Home Mover
Whether it’s the first time you have moved home or tenth it can be a very complicated and stressful process. We aim to take away some of that by offering you a first class service.
We can advise you on all types of mortgages such as Residential Mortgages, Low Deposit Mortgages, Guarantor Mortgages, Shared Ownership, Shared Equity mortgages and New Build Mortgages. Being that we can search the whole of the market, we work to find you the very best deal possible for your new home.
It is a good idea to get us involved at an early stage. We prefer to visit you at your home at a time of your convenience. However, we can take you through the process over the telephone if required.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial Meeting | What You Need To Know- Introduction to the services that we offer
- Check your existing mortgage to see if there are any Early Repayment Charges (ERC) and if its portable to your new home
- Explain the costs involved with moving home
- Explain the types of mortgages available to you
- Complete an Agreement In Principle (AIP) to give you an accurate idea of your borrowing potential and whether or not you can get the mortgage you need
- Give you some example for your monthly mortgage payments (rates change on a daily basis so the mortgage rates shown may change by the time you actually apply for your mortgage)
Keeping you InformedWe will then keep in contact with you and be available for any questions or any further figures you may require whilst you are selling your current property and finding a new one.
Finding The Best Mortgage To Moving In- Research the Whole of the Market including the many Exclusive rates we have access to and recommend the most suitable and cheapest mortgage available to you
- Explain and recommend the most suitable and best priced Protection products from the Whole of the Market
- Explain and recommend the most suitable and best priced Home Insurance from our panel of Insurance companies
- Complete all the application paperwork for you
- Obtain all the documents your chosen lender is likely to require to process your application
- We will submit your application to the lender and chase it through until you receive your Mortgage Offer
- We will check and explain to you all the information and conditions within your Mortgage Offer
- We will then assist you by regularly contacting your estate agent and solicitors to help your house move go smoothly and speedily
After Sale Service | Keeping You Informed- Contact you to check you are happy with everything we have done for you
- Check that covered by your insurance and protection policies are “in force”
- Contact you if more competitive products become available
- Contact you a few months before your new mortgages “Initial Rate” is due to expire (e.g. when the 2 year fixed rate is due to finish) to arrange your no obligation remortgage review
- Be available if you ever have any questions about you mortgage, protection and insurance arrangements
Buy To Let
Whether you already have a large portfolio and are looking to add to it, remortgage an existing Buy to Let or purchase your first investment property, we can help.
With over twenty years of advising clients, our knowledge and experience allows us to advise you on the “do’s and don’ts” of buying a property to rent out. From what types of property to choose for the best rental yields, the fees involved, on going costs, to landlords insurance… and of course, searching the whole of the market to find you the best Buy to Let mortgage out there.
Buy to Let mortgages are slightly different to normal residential mortgages as the lenders will usually assess your borrowing based on the proposed rental income as opposed you your personal income. Buy To Let mortgages are not usually regulated by the Financial Conduct Authority. We suggest you get us involved early in the process to offer our specialist advice. We prefer to visit you at your home at a time of your convenience however we can take you through the process over the telephone if required.
Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Initial Meeting | What You Need To Know- Introduction to the services that we offer
- Explain the costs involved with moving home
- Explain the types of mortgages available to you
- Complete an Agreement In Principle (AIP) to give you an accurate idea of your borrowing potential and whether or not you can get the mortgage you need
- Give you some example for your monthly mortgage payments (rates change on a daily basis so the mortgage rates shown may change by the time you actually apply for your mortgage)
Keeping you InformedWe will then keep in contact with you and be available for any questions or any further figures.
Finding The Best Mortgage To Completion- Research the Whole of the Market including the many Exclusive rates we have access to and recommend the most suitable and cheapest mortgage available to you
- Explain and recommend the most suitable and best priced Protection products from the Whole of the Market
- Explain and recommend the most suitable and best priced Landlord’s Insurance from our panel of Insurance companies
- Complete all the application paperwork for you
- Obtain all the documents your chosen lender is likely to require to process your application
- We will submit your application to the lender and chase it through until you receive your Mortgage Offer
- We will check and explain to you all the information and conditions within your Mortgage Offer
- We will then assist you by regularly contacting your estate agent and solicitors to help your house move go smoothly and speedily
After Sale Service | Keeping You Informed- Contact you to check you are happy with everything we have done for you
- Check that covered by your insurance and protection policies are “in force”
- Contact you if more competitive products become available
- Contact you a few months before your new mortgages “Initial Rate” is due to expire (e.g. when the 2 year fixed rate is due to finish) to arrange your no obligation remortgage review
- Be available if you ever have any questions about you mortgage, protection and insurance arrangements
With 20+ years of experience, we can help you…
Assured Mortgage Advice offer a Full Advice and Recommendation Service. This means we will assess your individual circumstances and then make a recommendation for the most suitable product. We will then search the whole of the market and find you the best mortgage out there for you.
