Mortgages

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Mainstream or niche, you’ve choices galore

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

Buying a place of your own is an ambition shared by millions and it’s easy to see why. Your property can enhance your wealth while keeping a roof over your head. This privilege often comes with a hefty price tag, so most buyers must borrow part of the price, usually from a bank or building society. These mortgage loans are secured against the property, to protect the lender if you don’t keep up repayments.

The mortgage market is a complex one. Some loans carry a fixed rate of interest; others have variable rates and you’ll see capped, tracker and other types when you look around. You’ll need to put up a percentage of the price, through saving or family help, perhaps aided by Government schemes such as Help to Buy if your planned purchase is eligible. Many first-time buyers and home movers have benefited.

Even mainstream mortgages take many forms and lenders’ terms vary, so expert advice is vital. A qualified mortgage adviser can also find suitable offers for a remortgage on your present home, ideally cutting your monthly costs. This expertise is also crucial in niche areas, such as buy-to-let and self-build, as well as equity release that lets older homeowners unlock part of the value of their home. Rely on us to guide you through.

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Mortgages
First-time buyer

Buying your first home is an exciting process but there’s a lot to know about mortgage loan options: fixed, variable, capped rate and so on. Then you’ll want buildings and contents cover, plus life insurance that would repay your loan. Get expert.advice on all these and on official schemes that could make buying easier.

 

Remortgage

Today’s mortgage market is dynamic, with new products and deals launched constantly. Keeping up is a full-time job – it’s called mortgage adviser! That’s why, when your current deal is due to end, an expert adviser’s market knowledge is key. A well-chosen remortgage deal on the right terms could bring a useful saving every month.

 

Buy-to-let

The planned cap on mortgage interest tax relief for buy-to-let owners makes it even more important to seek best value on all expenses arising from ownership. So, you should get sound advice on your buy-to-let mortgage needs, including interest-only deals, and on the specialist landlord insurance cover required when you let.

The Financial Conduct Authority do not regulate buy to let mortgages.

 

Self-build

Seen as one answer to the housing shortage, self-build is an attractive concept. If you take this path, you’ll need a special kind of mortgage that lets your draw money in stages during the build. It’s a niche segment of the market, so it pays to have a mortgage expert on your project support team.

 

Equity release

If you’re over 55, your home has probably multiplied in value. Maybe you want to turn some of that value into cash for whatever purposes you choose. The lifetime mortgage type of equity release can do this. You remain owner, continue living in your home, and pay out none of the interest during your lifetime.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

 


Springboard FS

© 2019 - Springboard Financial

Springboard Financial is a trading style of Charles Derby Financial Services Limited which is an appointed representative of Quilter Mortgage Planning Limited and Quilter Financial Services Limited who are authorised and regulated by the Financial Conduct Authority Registered in England and Wales 5693185. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register/) under reference 440703 and 440718.

Registered Office: Charles Derby, 6 Tollgate Business Park, Tollgate West, Stanway, Colchester, Essex CO3 8AB. FCA authorised No. 440703.