Mortgages

At Advance Financial Management

We fit the scheme to the person. Not the other way round. After all, different people have different attitudes to money.

Mortgage

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

So if you’re concerned about interest rate rises, we may suggest a fixed rate, it won’t always match a discounted variable rate for value, but it will provide peace of mind. For someone less risk averse there are other options such as tracker schemes.

However, rate isn’t everything, low monthly payments are desirable but not if the provider is inefficient or neglectful. If there are onerous early redemption charges, large arrangement fees or not being able to move the mortgage across if you move house.

Our role does not stop at finding a lender, we guide each application right through to completion and stay with you all the way.

For many of us, buying a home is the first time we need financial advice and our mortgage is likely to remain our biggest financial commitment for many years to come.

When making such an important decision, it’s sensible to have a clear understanding of all the lending options, whether that results in cheaper monthly payments, a shorter mortgage term or perhaps the ability to afford your next property.

Exclusive Mortgage Deals

Through Advance Financial Management and our membership of Intrinsic Mortgage Planning, you will have access to the Whole Market, many of which offer exclusive deals you won’t be able to find on the high street.

We have the Whole Market we can source from for residential property, including all the big names, such as HSBC, Santander, Halifax, Nationwide, Barclays, NatWest, Lloyds Bank, TSB, Virgin Money and the Royal Bank of Scotland to name just a few.

For those interested in buy to let, we also have lenders with specific products for this market and we can advise you on all aspects of building a property portfolio.

Buy to let mortgages are not regulated by the Financial Conduct Authority.

Once you have bought your home, it’s just as important to protect yourself and your family from any financial risk in the future. Our advisers can help you to decide the right levels of insurance, and the types of cover most appropriate for you.

Help your children get onto the housing ladder

You raise them, watch them grow up and would do anything to try to give them the opportunities you never had. But should that extend to giving your child a leg-up onto the housing ladder?

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

Click link for a Guide to Our Mortgage & Protection Services

Click a link for one of our Factsheets:
Borrowing To Buy Your New Home
Re-mortgaging Your Property
Borrowing To Invest In Rental Property