Buying a home is generally the largest purchase of our lives. It can be a challenging time with lots to organise and think about. As a minimum, we can defuse the tension involved in researching, selecting and arranging the right mortgage for your needs. It’s not just about the rate charged, but ensuring your mortgage product matches your overall financial planning needs, tax arrangements, repayment terms, period to retirement and many other factors. We will leave no stone unturned and ensure you maximise your opportunities at this important time.
Lenders are a tricky bunch, and borrowing criteria has become very comprehensive since the economic crisis of 2007. We will negotiate with all the banks and building societies on an independent basis, on your behalf, and take the stress out of the application process. The key areas to discuss are:
We all realise buying a new home, whether it be your first property, or a house move, is one of the most stressful periods in life. Assisting you with the finance is only part of the service value we want to provide to you.
Right at the start of the house buying process, you will need to research, view and negotiate on target properties. You will liaise with estate agents and perhaps vendors also. You will need to make offers and finalise a price, engage a solicitor and manage the process through to exchange and completion. And there is the mortgage application, surveys and legal requirements of course.
We can assist in all stages. As part of the house buying service we will:
We look forward to assisting you with the purchase of a new home and making a stressful time of life a less demanding experience by taking on some of the processes on your behalf. We can’t promise to make it completely stress free, but we will make it easier for you. You will have more time to spend on colour charts and picking the right cushions!
- ESTATE AGENT
There has been a huge focus on this part of the market in the last few years. With the government focusing on landlords as a source of higher tax receipts, it is more important than ever to seek good guidance around the right mortgage, basis of purchase and long-term benefits of investment property ownership.
We can help you structure your portfolio correctly for tax, both on a yearly (Income Tax) basis but also mindful of the long-term issues (Capital Gains Tax).
We can offer individual property advice, or, if you have several properties, we can assess solutions on a portfolio basis where suitable.
Either way, we will seek to find you the perfect solutions to your long-term needs and objectives and ensure things are kept under review appropriately over time.
We understand most landlords are busy people, and we will look to save you time and hassle, managing your borrowing needs over time and providing you the options as opportunities arise.
View our Buy to Let Service Agreement
We can also help you negotiate the following finance options if required: