Purchasing or remortgaging a property can be the biggest decision made in our lives. It is for this reason that clear, practical advice is critical from fully qualified and experienced advisers.

Buying a house is one of the biggest and most important purchase you will make and buying a home for the first time will be an even more daunting prospect. Once you have found the right home, add to this the vast array of mortgage products available from a wide range of sources and you could be left wondering which way to turn and unsure what is right for you.

Whether you are an employee with complex bonus/commisson structure, a contractor, a sole trader or a Limited Co. Director - we will be able to find the right lender for you.

Contact us and we will explore the mortgage options available to you. If you haven't found the right property we can still provide you with some facts and figures that can help to find the right price range for you.

When you remortgage you switch your mortgage to with another lender to secure a new product.

Many people are simply looking to switch mortgages because the monthly payments will work out cheaper for them. For example, the initial interest rate may have finished with your current lender and you are looking for a better product. Some may be looking to release capital, for example to carry out home improvements.  

A remortgage may not always be the best option. Even if the lender you are considering switching to is offering a lower rate, you must take into consideration of lender product fees, legal fees and valuation costs. We are here to help with this and provide expert advice.

Contact us and we will have a look at your current circumstances, outline what you are trying to achieve, whether you have any early repayment charges on your existing product and discuss the options available to you.

When considering a buy to let, you need to decide whether your primary objective is income or capital growth. This decision may affect the type of property you purchase and the location.

Whether you are an experienced professional landlord or becoming one, it comes with its own risk and can be time consuming.

When you manage a property there are costs involved in addition to the monthly mortgage repayments. These include managing the property, property insurances, maintenance, tax liability. As an approximate guide, you should be aiming to achieve a gross rent of about 145% of the rental property's interest only mortgage payments in order to cover your costs and to avoid rental voids. A lender will also determine what percentage to apply dependent on your tax status.

The Financial Conduct Authority does not regulate some forms of buy to let.