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One
of the biggest transactions of most people's personal financial
lives is buying property. Whether you are buying with personal
equity or have to take out a mortgage or other funding,
the process can be complex and fraught with pit-falls. When
we consider the amount of money you may need to borrow,
and more importantly pay back, taking the wrong decision
can prove very expensive.
We
all have different ideas of what we want from a mortgage,
but with mortgages becoming much more complicated and varied,
how do you select a mortgage to suit you from so many different
types available, such as:
- Residential
Mortgages
- Re-mortgages
- Home
Improvement Loans
- Bank
of England Base Rate Trackers
- LIBOR
(London Inter-Bank Offered Rate) Trackers
- Money
Purchase Plans (Islamic Mortgages)
- Discount
and Stepped Discount Trackers
- Flexible
Mortgages
- Variable
Trackers
- Standard
Variable Rate
- Tracker
Mortgages
- Deferred
Interest
- Fixed
Rate
- Capped
or Capped and Collared
- Borrow-Back
Facilities
- Off-Set
Mortgages
- Second
Charge Mortgages
- Bridging
Loans
The
mortgage market has endured many ups and downs and twists
and turns throughout the decades and the recent 'Credit
Crunch' is yet another example, affecting millions in varying
degrees. However, we all need to find the most suitable
mortgage whatever happens to interest rates or money markets.
Indeed, with such a changing array of mortgage providers
in an ever uncertain and confusing market, there has probably
never been a more important time to seek specialist advice.
In
taking 'independent' financial advice, you will benefit
from our extensive knowledge of the mortgage lending process,
gain access to the continuously altering, whole mortgage
market and rest assured that we will source the most appropriate
mortgage to suit your own individual needs and circumstances.
So don't wait, contact
us and arrange your free, fully confidential financial
review.
'Think
carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments
on a mortgage or any other debt secured on it.'
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