MORTGAGES

Because of the very busy lifestyle of medics, arranging a mortgage direct form a lender may be very time money_house.jpegconsuming and inconvenient due to the varied and demanding hours of work. Letting an independent mortgage adviser manage the whole process for you offers minimum hassle and disruption to your lifestyle.

Furthermore, an independent adviser can search for the best deal across the whole market rather than for example a tied adviser who can only offer their own company's products.

Good advice is essential and we should review your mortgage planning whenever you decide to purchase a nmortgage_2.jpegew property or whenever any short-term deal on a mortgage is due to run out.

Sensible mortgage planning is all about paying as little as possible for your mortgage, meaning you should be looking at paying as little interest as possible.

Effective planning can potentially save you a significant amount of money over the term of the mortgage by reviewing your options regularly by:

 

  • Looking for discounts on the Standard Variable Rate;
  • Using lenders who provide fair terms such as low penalties to redeem and daily interest calculations;
  • Reducing your mortgage by making lump sum overpayments;
  • Reviewing the term of your mortgage, as less interest will be paid the lower the term. 

Please note that your home may be repossessed if you do not keep up repayments on your mortgage.

 

For mortgages we can be paid by commission or a fee of usually GBP 500 or a combination of both.


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