Mortgage, Protect & Insure

Mortgages

• Mortgage Types
• Mortgage Calculator
• Glossary
• You choose how we are paid

Remortgage

Most of us tend to rely on our existing lender to provide us with a competitive rate.  This can be an expensive mistake as we overlook the huge savings that might be achieved by shopping around.

Competition in the market is fierce and it is increasingly common for borrowers to ‘test the market’ every few years seeking lower mortgage repayments.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice you can choose how we are paid: -

- No fee.  We will receive commission from the lender when your mortgage completes.

Or

- A fee.  A fee of typically £580 payable on completion of your mortgage.  Any commission received from the lender will be refunded to you.

Or

- A combination of a fee & commission.  A fee of typically £280 payable on completion of your mortgage   In addition we may receive commission from the lender.

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Remortgages . . . . . where to start?

With the interest rate rises of the past 6 - 12 months, you will probably be very focused on looking for a better alternative - a better mortgage.  Rates are certainly not as low as they were, so there is even more reason to appoint an independent mortgage adviser to to review the whole of the current market place.

Remortgage, or 'stick' with your current lender?

Consolidate debts, or consider some other form of debt management programme?

Let us answer these questions for you and provide advice with the integrity & knowledge you should expect from an impartial adviser!

How do we do this?

We will guide you through a logical process that considers questions such as: -

1. I want to raise further monies for home improvements, or other reasons?
2. I'm thinking of consolidating some other debts?
3. I want to 'fix' my payments, or get the lowest payments possible??
4. I can't prove my income?
5. I've had some problems in the past!
6. I want a better mortgage!.

Don't forget when looking for cost savings through Mortgage, Protect & Insure we may be able to find you cheaper home & life insurance too - just give us a call for a no-obligation quote.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.

The overall cost for comparison is 11% APR.  The actual rate available will depend on your circumstances. 

For mortgage advice you can choose how we are paid: -

- No fee.  We will receive commission from the lender when your mortgage completes.

Or

- A fee.  A fee of typically £580 payable on completion of your mortgage.  Any commission received from the lender will be refunded to you.

Or

- A combination of a fee & commission.  A fee of typically £280 payable on completion of your mortgage   In addition we may receive commission from the lender.

We usually offer Home Insurance from a single provider.