complete financial planning under one roof
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mortgages
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mortgages from one roof financial
At some stage most of us will need a mortgage in order to buy a home. Having the most appropriate mortgage is therefore an important part of the house buying process and taking specialist advice from an independent adviser will ensure that you end up with a mortgage that meets your needs and budget.
We start our process with an initial consultation which is offered at our expense, to explain the terms of our service and to discuss your requirements. This will ensure that we are able to help you and allow you to ask any questions. If we are able to help you and you choose to appoint us, our comprehensive service will include:
- a full review of your needs and objectives
- an explanation of the various types of mortgages and how they work
- an appraisal of your existing mortgage if you have one
- product research from the whole market to establish the most appropriate solution
- an overview of the options that are available
- a mortgage recommendation from the whole market
- help appointing a reputable legal adviser to act on your behalf
- a written report of the recommendation for your records
- completion of the application form
- monitoring and updates (SMS, email or phone) whilst your application is being processed, including liaising with all associated parties
- a diarised review at the appropriate time to review your mortgage
We can help with all of the following:
- first time buyers
- home movers
- remortgages
- buy to let mortgages*
- secured loans
- holiday and second homes
- credit impaired and non-standard mortgages
- lifetime mortgages (equity release)
*Buy to let mortgages may not be regulated by the Financial Services Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You can choose how we are paid, either: we charge a fee of £250 at the outset and £250 on completion and we will accept any commission due from the lender. Or we charge a fee of £500 at the outset and £500 on completion and if we receive a commission from the lender it will be rebated to you.