Generally, there are 3 main mortgage requirements. You may be on your way to your first home, moving home or you may be re-mortgaging for an existing mortgage.
As experienced financial advisors, we have all the knowledge you need to make the process as simple as possible and for us to provide insight into how the lenders work to allow you to make an informed decision on where best, your financial commitment lies.
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Mortgages
Buying a property will probably be the biggest financial commitment you will ever make and, as we all know, taking out your mortgage can be complex and stressful.
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We are here to help you make those difficult decisions with quality advice, bespoke to your needs. At times it can seem difficult to navigate the many products on the market, we aim to explain your options in a transparent way throughout the whole process. We also aim to be similarly transparent about the process itself at every stage. Even when your mortgage is completed, we will always be available to advise you on any further matters if you so wish.
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We will find the most suitable products on the market for you, and then help you
decide the best choice for you on a one-to-one, personal basis.
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From the first time we meet to the handing over of your keys, we aim to be with you every step of the way helping you realise your dream of owning your own home.
Re-mortgages
Most mortgages take decades to repay, but that doesn’t mean you have to stay with the same lender.
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With the common mortgage, many people take a product that has a tie in attached.
These mortgages usually lower interest rates with the confidence of knowing your outgoings for the foreseeable future.
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However, you might be paying your lender’s Standard Variable Rate and want to reduce your payments. Alternatively, now might be the right time to consider a fixed rate. A fixed rate can provide stability and an absolute outgoing for the foreseeable future.
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In every case, as experienced mortgage advisers, we are in your corner. We’ll help you come to the best decision for you.
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You could be best served renegotiating the deal with your current lender, or perhaps you could consider an alternative lender. We can locate the best deals on the market and bring them to your attention, so that you can be confident in your financial decision.
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At the end of the process, you should be in a better position. You can then move into your future confident that your mortgage is right for some time. Your next decision, whether it be next year or 5 years in the future, will be even more informed.
Product Transfer
Did you know that even if you are staying with the same lender, in some cases, you could still use a mortgage adviser? Whilst this may not be possible for every single lender in the marketplace currently, there are a lot of lenders that could offer this option and we do see in some cases that a broker may get a better deal than going directly to your lender.
With a no obligation review of your circumstances, your adviser will be able to compare everything from a whole re-mortgage to a product transfer and decide what would be best for you.
First Home Mortgages
Getting onto the housing ladder has never been harder.
You may have saved hard, or been lucky enough to have support from your family. You may however, not be in such a privileged position and therefore require a more creative way of owning your own home.
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We are hugely supportive of first-time buyers and will do everything we can to help you achieve their dream of home ownership.
We want to see you to succeed by helping you get on that first rung of the ladder.
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We can help you choose the right mortgage from the many thousands of products available to you.
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If you are in a position where you struggle to meet the criteria of the many products out there, we do not just give up. Later Life Money will not stop exploring until we have exhausted all possible avenues of possibility for you and your situation.
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If there is a way to get you onto the housing ladder, you can trust us to find it. In most cases we aim to reach a decision that you are confident in, at a swift but sensible pace. Providing there are no major obstacles in your way.
If you’ve lost all hope and can’t see a way to get onto the housing ladder, our intimate knowledge of the mortgage market allows us to consider other options you may not be aware of.
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All things going well, at the end of the process you should have your dream home, and a financial advice firm in your corner for the rest of your life.
Home Movers
Moving home is never as simple as it should be, there are always complications. But that doesn’t mean that there isn’t help available throughout, our experience and knowledge can make the journey much easier.
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Of course, your mortgage is a commitment which will last decades; you need to get it right. Fixed, discounted, tracker, capped: the choices can feel overwhelming.
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We have hundreds of mortgage lenders and thousands of deals available to us. You should have the mortgage that is right for you. We find this through careful investigation and providing the options best suited to your needs. We will then provide you with up-to-date and relevant information so that you can confidently make the right decision.
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We promise to stay with you starting from our initial discussions, right the way through to you getting the keys to your new home.
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To put it more simply, we are on your side.
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By the end of the process, you should be in your new dream home. There is no “conventional” way for you to get there, there are many ways to acquire property.
Even if you’ve been rejected in the past, you could find that we can help you achieve your ambitions anyway. No matter the process, the end result should be the same.
