Independent Mortgage Advice
At Financial Advice Centre, we know that securing a mortgage and buying a property can be an emotional, pressurised and time consuming experience.
Whether you are a first time-buyer purchasing your first home, looking to move home, refinance, self-build or buy to let, we can help.
We review the whole of market to help you select the right mortgage package for your needs. Our independent mortgage advisers guide you through the process and are on hand to answer your questions as well as ensuring all the fine print and deadlines are taken care of so you don’t have to. We aim to take the pressure off you and manage the process so there are no unnecessary delays.
We can help you with any of the mortgage options listed below. For specific advice, please get in touch. firstname.lastname@example.org or 01905 723 058.
Your home and property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some aspect of buy to let mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Flexible mortgages recalculate the outstanding capital and interest (the amount you owe) on a daily basis. This allows you to make overpayments when you have money to spare, and see an immediate reduction in your loan.
Some also allow you to make underpayments when finances are tight, which will increase the interest you have to pay in the long term.
They may even allow you to take repayment holidays – a complete break from making payments as long as a reserve amount of money is in your account.
Any unpaid interest will be added to the outstanding mortgage; any overpayment will reduce it. Some flexible mortgages have the facility to draw down additional funds, to a pre-agreed limit.