Moving home can be a stressful time by many, but it does not need to be. I can guide you through the process and offer expert mortgage advice specific to your circumstances.

When searching for your dream home, it is important to know what your upper purchase price limit is. Buying a home in the UK usually takes many weeks, as there are several different factors that need to be considered.

Remortgaging is where you switch the mortgage on your home to another lender or negotiate a better deal with your existing one. It effectively means replacing your current mortgage contract with a new one.

There are many reasons why you may need to re-mortgage such as securing a better deal, protection against rate rises or releasing equity in your home.

Securing a better deal-Depending upon your existing contract, it’s possible that refinancing your mortgage could reduce the rate of interest that you are paying. Especially popular during periods where the Bank of England Bank rate is low, re-mortgaging can reduce monthly outgoings and potentially reduce the overall amount you need to pay back.

Protection Against Rate Rises

Interests rates may rise or fall at any time. For people worried about potential rate rises over the short or medium term, remortgaging allows them to fix their rates at current levels, allowing them to plan their monthly budgets for the years ahead.

Releasing Equity

For those that have built up equity in their home, remortgaging can be an attractive option. It can provide families needing more room with funds to extend their home or it may offer a method to pay off other debts that have higher rates of interest.

Your home is important – you must think carefully before securing other debts against it. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

For most people getting their finances in order is an important starting point for their self-build project. If you need to borrow money finding the right mortgage for your build is crucial to ensuring the success of the project. A mortgage for a self-build differs from a mortgage you would use to buy a house because with a self-build mortgage the money is released in stages as the build progresses.

Whether you’re an accidental landlord, buying your first investment property or you’ve already a portfolio of properties, I offer expert face to face advice to help you make the right decisions. I’ll help you choose the right mortgage for your specific needs and circumstances, helping you to maximise the benefits of owning investment property.

Be aware that most BTL mortgages are not regulated by the Financial Conduct.

Your property may be repossessed if you do not keep up repayments on your mortgage.

The main aim of these housing schemes is to make home ownership accessible to buyers who would otherwise be unable to buy. There are several different affordable schemes that may be available in your area.