• Have you found your dream house?

• Not sure of what is involved to finance a property?

• Confused over what is the best mortgage for you?

Choosing your first home can be one of the most emotional and important decisions you’ll make. But finding the right finance can be confusing and time consuming! We will remove as much stress for you as we can and guide you to the right First Time Buyer product.

Perhaps one of the most difficult aspects of the mortgage process is the supporting documentation required to complete the application process. In just a few simple steps we will take away the hassle of submitting an application, what documents you will need to provide and where to send them.

• Are you renting your property or sourcing a new property?

• Do you know whether your circumstances fit for a BTL mortgage?

• Need advice on which lender or product

This is a mortgage designed for a different purpose to the owner living in their own home. These mortgages are not always regulated by the FCA and as such there are many different options and factors to take into consideration, for example, viability is often based predominantly on the income derived from the rental, although your credit score and income will also be taken into account, as well as the source and intended use of the property.

If you want a simple explanation about its suitability for your circumstances, call Tim and he will help you.

More of a niche market than residential mortgages, a capable commercial broker is essential to finding the right mortgage on your commercial property. Tim, whilst not specialising in this form of mortgage advice, will introduce you to a broker who will similarly take care of your interests.

• Excited to make the move to your new home?

• Concerned about what to do with your mortgage?

• Could there be something better available?

In the list of greatest stresses in life, moving home is somewhere near the top and although you already have a mortgage and may know the general process, changing home and mortgage can be a little different, but very exciting if you get it right.

Do I keep my current mortgage and move it to the new home? Am I in a position to change my mortgage? Is there now a better interest rate available that fits my circumstances?? Do I know what the costs are that may be involved in moving home?

Tim will help you get a clearer sense of what is best for you.

• Deciding to stay put but want to get more out of your finances?

• Can I get a better rate if I stay with my current lender?

• If not, which lender and product is best for you?

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Now you’ve had a mortgage on your current property for some time, what should you do? Sometimes it’s best to stay with the same lender but a different mortgage product that better suits your current or long term goals is available.

But other things may now make considering other options worthwhile; your current credit score, the value of the property and other factors that Tim  can discuss with you before helping you see what options are available to you.

You may want to release some of the capital in your property, perhaps for home improvements. You could choose to remortgage and release some funds for a new bathroom, kitchen or even a Loft Conversion.

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Different factors will dictate the amount you can release and how much this extra amount will cost you per month. Tim can discuss this with you before helping you see what options are available to you.