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Mortgages

Your mortgage is likely to be your largest single financial commitment, so it pays to explore all your options, from product type to repayment method. We, as independent mortgage Advisers, are legally obliged to act on your behalf, without bias toward one mortgage provider or another. We have access to the whole product market, covering all of the latest mortgage deals, as well as exclusive offers that you cannot get from bank or building society branches.

Independent mortgage advice can help you make sense of the many different home loans available today. We can also guide as to whether an interest only or repayment mortgage is best for you, a fixed or variable rate, a discounted or current account mortgage. We can provide invaluable mortgage advice, pointing you toward the most appropriate deals and highlighting potential pitfalls such as early redemption charges and added charges.

We will also advise you about other matters you need to think about. These might include life insurance or other forms of financial protection to cover your mortgage should you suffer a long-term illness or injury and be unable to keep up your mortgage repayments. You may choose to have an 'interest only' mortgage in which case it is important that you have the most appropriate savings vehicles to repay the loan. This may be a combination of investments, Individual Savings Accounts or even pensions. There are over many thousands of financial products available and the costs, terms and conditions vary. We as your IFA can give you unbiased advice across the whole financial products and mortgage marketplace.

A mortgage specialist IFA will consider your overall circumstances, ensuring your mortgage works as cost-effectively as possible alongside your other financial arrangements. In the long run seeing an IFA could save you money.

Finally, in all matters relating to mortgages independent financial advice can really help you make the right decision. Not only is it prudent to take a second opinion, working out exactly whether you can afford the extra outgoings, but we as an independent financial adviser can put the decision in the broader context of how your finances are likely to stand 5, 10 or 20 years from now.

That means taking inflation account, setting the cost of your mortgage off against the other major drains on your income - living expenses, pension contributions, loans, the cost of children etc.. It is only when you've worked out the whole picture with an experienced qualified IFA such as ourselves, that you can be confident that the decision you make is the right one.

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