Finding a mortgage can be a confusing and stressful time. There is a multitude of mortgage products on the market – from first-time buyers to re-mortgages or self-build mortgages. I use the latest software paired with years of expertise to help you to make the right financial decision and find the most suitable product from a comprehensive range of lenders to suit your needs.
With a personal approach to providing mortgage advice I make sure your needs have been met and any questions answered in a way you can understand so you can make a fully informed decision with my assistance.
First Time Buyer
On the face of it, buying a home can be a complicated and worrying process, but it does not need to be. I can guide you through the process and offer expert mortgage advice specific to your circumstances.
Buying a home takes several weeks, as there are several different factors that need to be considered.
I will discuss your personal circumstances with you, such as your income, outgoings, savings, and plans.
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.
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.
Buy to Let
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £295.
Paul McGowan Mortgage and Insurance Solutions is a trading name of Paul McGowan Financial Services Ltd, registered in Northern Ireland at 84 Main Street, Derrylin, County Fermanagh, BT92 9LA (number NI 618972). Paul McGowan Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.
The guidance and / or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.