We provide what’s termed no-obligation mortgage advice.

At the onset of your enquiry, we do not charge fees to initially talk about your available mortgage options.

We may initially speak over the phone to generally assess your mortgage needs and expectations. Advise what current rate options are available and what would be required (incl documents submissions e.g. proof of earnings etc) as part of the mortgage loan application process along with what fees would become applicable upon proceeding with such an application.

Afterwhich, if happy and wish to pursue a mortgage application, a face-to-face meeting would take place as part of due diligence and begin the process.

A buy-to-let mortgage is a financial product aimed at a specific purpose i.e. people looking to buy a property in order to rent out, as opposed to actually living in it themselves.

Predominantly, buy-to-let mortgages are structured on an interest-only basis. Meaning the monthly repayments being made would only be paying off the interest. Not the amount owed on the mortgage (known as capital). Instead, the capital will be paid off in full at the end of the agreed term.

A commercial mortgage is a financial product aimed at the specific purpose of purchasing commercial property in which the mortgage loan obtained is secured against the said property.

The utilisation of commercial mortgages is typically used to acquire, refinance, or redevelop a commercial property, such as an office building, shopping centre, industrial warehouse for a factory, or apartment complex.

An equity release mortgage is the financial product used when property owners wish to realise lump sum cash amounts in return for a share in their property.

Not to be confused with a traditional mortgage whereby repayment payment is over a set period. The settlement of an equity release mortgage would occur on the sale of the property, whether that sale is during, or after your lifetime.