I AM A FIRST TIME BUYER
With so much information available on the internet, it is tempting to trust ourselves to do just about anything. But with complex situations and transactions, like buying a home or investing for our future, things that often involve more than one type of specialism, we are usually better off trusting professionals.
We can help you unravel the questions:
Protection & Investment Ltd
I AM MOVING HOME AND HAVE A MORTGAGE ALREADY
We act as your agent, not the agent of any one or group of lenders. We look at your circumstances as a whole and use sourcing systems to look for the best mortgage scheme available – which does not necessarily mean just the cheapest interest rate.
Protection & Investment Ltd
I WOULD LIKE TO EXPLORE A RE-MORTGAGE TO OBTAIN THE BEST INTEREST RATE
We act as your agent, not the agent of any one or group of lenders. We look at your circumstances as a whole and use sourcing systems to look for the best mortgage scheme available – which does not necessarily mean just the cheapest interest rate.
Protection & Investment Ltd
I WOULD LIKE TO RAISE MORE MONEY AGAINST MY HOME
There are many reason people want to raise money against their home. Not all lenders allow capital raising for all purposes, so a further advance might not be an option.
Sometimes, perhaps because you are locked into a mortgage interest rate and even though the extra money might be at a higher interest rate, it is better to use a second charge lender, so that you do not incur any early redemption costs. We will always look at all your options.
Protection & Investment Ltd
I HAVE A COMPLICATED OR MULTIPLE SOURCES OF INCOME
High street lenders are very good at lending to people who have simple requirements. Their clients are usually employed or self-employed with a track record in borrowing and several years’ accounts. They rarely have any history of poor credit. The loan is often a low percentage of the property’s value, which is usually a “standard” house.
It would be wrong of me to give the impression that some high street do not lenders step outside of this arena and as Independent Advisers we have the expertise to select the right lender for your specific circumstances. We also have access to many lenders who specialise in what might be regarded as mortgage lending that is “non-standard”, so we can help you if;
You have income from multiple sources;
Are buying house that has unusual construction;
Have some adverse credit in your background;
Have other properties in your background;
Want to borrow a little more than some high street lenders are comfortable lending you;
Protection & Investment Ltd
As independent Advisers we have access to the vast majority of lenders and schemes that are available and are bound to offer you the best scheme for your particular circumstances.
I THINK I MAY HAVE SOME POOR CREDIT HISTORY
High street lenders are very good at lending to people who have simple requirements. A simple low value loan on a brick built house with a tiled roof. Their clients are usually employed or self-employed with a track record in borrowing and several years’ accounts. They rarely have any history of poor credit.
It would be wrong of me to give the impression that some high street do not lenders step outside of this arena and as Independent Advisers we have the expertise to select the right lender for your specific circumstances. We also have access to many lenders who specialise in what might be regarded as mortgage lending that is “non-standard”, so we can help you if;
You have income from multiple sources;
Are buying house that has unusual construction;
Have some adverse credit in your background;
Have other properties in your background;
Want to borrow a little more than some high street lenders are comfortable lending you;
Protection & Investment Ltd
As independent Advisers we have access to the vast majority of lenders and schemes that are available and are bound to offer you the best scheme for your particular circumstances.
I WOULD LIKE TO BUY A PROPERTY AS AN INVESTMENT, NOT TO LIVE IN
The boom in property prices has made many people consider the idea of being a landlord. It can be a good investment but there are pitfalls, not the least of which, if you plan to manage the property yourself, is being woken in the middle of the night by the tenant because the roof has sprung a leak!
Some of the things you should to consider:
Should you manage the property yourself or appoint a managing agent?;
Should you own the property personally or set up a company?
It is possible to buy a property as an investment even if you do not own your own home.
With so much information available on the internet, it is tempting to trust ourselves to do just about anything. But with complex situations and transactions, like buying a home or investing for our future, things that often involve more than one type of specialism, we are usually better off trusting professionals.
We are Independent Mortgage Advisers and so act as your agent, not the agent of any one or group of lenders. We look at your circumstances as a whole and use sourcing systems to look for the best mortgage scheme available – which does not necessarily mean just the cheapest interest rate.
Protection & Investment Ltd
As independent Advisers we have access to the vast majority of lenders and schemes that are available and are bound to offer you the best scheme for your particular circumstances.
I AM A FIRST TIME LANDLORD
The boom in property prices has made many people consider the idea of being a landlord and it can be a good investment but there are pitfalls, not the least of which, if you plan to manage the property yourself, is being woken in the middle of the night by the tenant because the roof has sprung a leak!
Should you manage the property yourself or appoint a managing agent?;
Should you own the property personally or set up a company?
It is possible to buy a property as an investment even if you do not own your own home.
With so much information available on the internet, it is tempting to trust ourselves to do just about anything. But with complex situations and transactions, like buying a home or investing for our future, things that often involve more than one type of specialism, we are usually better off trusting professionals.
We are Independent Mortgage Advisers and so act as your agent, not the agent of any one or group of lenders. We look at your circumstances as a whole and use sourcing systems to look for the best mortgage scheme available – which does not necessarily mean just the cheapest interest rate.
Protection & Investment Ltd
As independent Advisers we have access to the vast majority of lenders and schemes that are available and are bound to offer you the best scheme for your particular circumstances.
I HAVE A PORTFOLIO OF PROPERTIES.
As an experienced landlord, you know the pitfalls and benefits of the profession. As your mortgage advisor we will hard for you to obtain the best deal for a new purchase or to provide additional funding for refurbishments. We are Independent Financial Advisers and Independent Mortgage Advisors and so act as your agent. We will work with you to look at the mortgage market as a whole and use both sourcing systems and our personal experience to finds a lender that best suits your particular circumstances and preferences.
Should you manage the property yourself or appoint a managing agent?;
Should you own the property personally or set up a company?
It is possible to buy a property as an investment even if you do not own your own home.
With so much information available on the internet, it is tempting to trust ourselves to do just about anything. But with complex situations and transactions, like buying a home or investing for our future, things that often involve more than one type of specialism, we are usually better off trusting professionals.
We are Independent Mortgage Advisers and so act as your agent, not the agent of any one or group of lenders. We look at your circumstances as a whole and use sourcing systems to look for the best mortgage scheme available – which does not necessarily mean just the cheapest interest rate.
Protection & Investment Ltd
As independent Advisers we have access to the vast majority of lenders and schemes that are available and are bound to offer you the best scheme for your particular circumstances.