1st financial foundations

01908 523 420 / 020 3897 8100

info@1stff.co.uk

mentors for your money and your life

mentors for your money and your life

Enjoy stable returns
from bricks and mortar

Mortgages

Property is one of the cornerstones of any plan to create wealth. From finding the right mortgage so that you can afford your first home, to building a large investment portfolio of many properties, you’ll find we have a strong track record of helping our clients translate relatively small amounts of money into large financial gains.

But a key component of the success of property ownership is not paying more interest and fees than you need to. For example, did you know that by reducing your interest rate by just 0.5% per year on a £100,000, 25-year mortgage could save you around £12,500? Now imagine how much you’d save if we scoured the market for an even better deal for you!

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, 1st Financial Foundations 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 advise you how to:

  • Buy additional properties without selling your current home
  • Buy properties without using your own capital

Minimise your property tax liabilities

If you like the idea of using other people’s money to generate wealth, call 1st Financial Foundations now on 01908 523 420 or email info@1stff.co.uk to book your FREE consultation.

Equity release and lifetime mortgages

The 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 1st Financial Foundations 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 £1,250.

Buy-to-let mortgages are not regulated by the Financial Conduct Authority and therefore you will not have any rights under the Financial Services Ombudsman or Financial Services Compensation Scheme.

Property Investment

Good things come to those who wait!

When it comes to investing in property, wealth is not only generated in the buying or selling, but also in the waiting.

Securing your financial future by investing in additional properties is a long-term commitment and could include owning:

A second home
Not just an escape at weekends, but a valuable source of additional rental income plus long-term increases in the property’s value

Buy-to-let
With people living longer, divorcing more often and staying single, buy-to-lets are still very attractive. Tenants pay your mortgage and the capital value of the property increases

Overseas holiday homes
Emerging property markets have provided some of the biggest capital gains for investors in recent years, as well as providing rental income from holiday lets

Whatever your reason for investing in property, you need to make sure that you’ve considered all the risks, especially when dealing in overseas markets, otherwise you could end up with a nasty surprise instead of a good return on your investment.

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 £1,250.

Buy-to-let mortgages are not regulated by the Financial Conduct Authority and therefore you will not have any rights under the Financial Services Ombudsman or Financial Services Compensation Scheme.

Minimise your property tax liabilities. If you like the idea of using other people’s money to generate wealth, call 1st Financial Foundations now on 01908 523 420 or email info@1stff.co.uk to book your FREE consultation.

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