Mortgages
Make your mortgage a blessing, not a curse!
Choosing the mortgage with the lowest rate of interest may sound like a smart move, but lenders are finding ever more ingenious ways to add extras that significantly affect how much you pay over the long term. Arrangement fees, insurance, lending charges, lock-ins and early repayment charges….it all adds up to a lot of confusion and a lot of potentially wasted money.
Residential or buy-to-let?
Whether you’re looking for a residential or buy-to-let mortgage or re-mortgage, we have access to many more products than are available to you through the high street – and at extremely competitive rates. Our mortgage sourcing system is updated daily so we can quickly find something that suits your circumstances and future plans.
In addition, we can teach you how to:
- buy additional properties without selling your current home
- buy properties without using your own capital
- buy properties with no deposit
- find deals that offer the best cash-back incentives
- minimise your property tax liabilities
If you like the idea of using other people’s money to generate wealth, call us now on 01908 523 420 or email info@1stff.co.uk to book your FREE consultation.
For equity release and lifetime mortgages
The recent boom in property prices has led to many retired people being ‘property rich’ and ‘cash poor’, with day-to-day living becoming increasingly difficult. If you own your home and are over 55, there are schemes that allow you to release some of your home’s equity without incurring any monthly repayments.
There are generally no conditions attached to the money – it is yours to spend on whatever you like, for example holidays, trips to visit family abroad, home improvements, car purchases, private healthcare, long-term residential care and gifts to your children.
There are hundreds of different mortgages available, but many don’t take into consideration your current circumstances or future plans, especially those sold through television or newspaper advertisements, and you could end up worse off. If you’d like to afford a few more luxuries in your life, call us now on 01908 523 420 or email info@1stff.co.uk to book your FREE consultation.
Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £1250.
Buy-to-let mortgages are not regulated by the Financial Services Authority and therefore you will not have any rights under the Financial Services Ombudsman or Financial Services Compensation Scheme.
