Buying Your New Home The almost bewildering choice of mortgages on offer from a diverse number of outlets can be intimidating. When investigating your options we seek to explain your options in plain English. We believe in informing you in order that you may come to an informed choice aided by years of experience. We very much believe in providing informed choice rather than "selling" a mortgage as may have been your previous experience.     First Time Buyers: We offer a very important service to potential first time buyers in offering an initial explanation of mortgages, how they work, what you need to consider, what you can afford to borrow and the effects of different charging schemes, what costs you will face in acquiring your new home and what future costs will be and anything else you can think of to ask! Home Movers: We can offer a full service to home movers, helping in what is often described as one of the most traumatic times of many peoples lives. A full suite of products are guaranteed to find the right product to enable you move on the best terms. REMEMBER - not only can we independently source your mortgage -we can also access all the right insurance products to go with it avoiding unecessary or expensive lender's own products. How to obtain a personalised illustration Follow this link and complete the form and we will get back to you with a personalised illustration YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

To "fix" or "not to fix"? You will not know whether if you would have been better or worse off to Fix your mortgage interest rate until the end of the fixed term. However, the thought process should be centred on two elements. 1. Could I still afford my mortgage if the mortgage payments were to increase due to rising interest rates? At what point do your finances reach "melt down"? 2. Do you feel more comfortable knowing exactly what your repayments will be for a preset period of time, so that your surplus money is yours to live your life. Or as we would put it Life beyond your mortgage. These are subjective opinions, we can guide but it must be you that decides.