Estate Planning
Organ Donation in England and Wales: What You Need to Know!
While planning for the future often includes things like writing a Will or arranging a Lasting Power of Attorney, organ donation is something that’s frequently
We help our clients navigate all steps of the property ladder, from the first-time-buyer, those looking to remortgage or move home, all the way through to buy-to-let landlords. We serve customers from all walks of life, with a particular specialism in handling complex income and helping our colleagues in the aviation and airline sectors.
We provide mortgage advice the way it should be
There can be regular and significant changes in the market. Our advisers constantly monitor these and update you with favourable changes and recommendations which you may wish to take advantage of, even if this is after an initial mortgage application, or offer, is made.
Unlike other firms who are restricted to a single or panel of lenders and providers, we have access to the whole of the market. This gives us the freedom to explore a wide range of options, ensuring that our recommendations are unrestricted and tailored precisely to suit our clients’ circumstances.
First-Class service without the price tag.
Our values and dedication to excellence will never be compromised; we are committed to providing the most suitable outcomes to our clients.
Top-rated service, no question, just check out our client reviews.Our team guide you through the whole process and take on the heavy lifting of keeping things moving, keeping you updated every step of the way. We do this by maintaining regular communication with estate agents, solicitors and our dedicated contacts underwriting your application.
Should you need help find a solicitor, we can introduce you to a recommended partner.
While planning for the future often includes things like writing a Will or arranging a Lasting Power of Attorney, organ donation is something that’s frequently
When people think about estate planning, they usually focus on what happens after they die. But here’s a biggie most people forget: What if something happens
Let’s be honest, writing a will isn’t exactly anyone’s idea of a fun way to spend a Saturday. It might feel like something only older
Yes, there are different types of brokers, which fall into three categories:
Whole of Market Brokers: These brokers have access to a comprehensive range of lenders and products. Their advice is independent and can help you find the best mortgage options tailored to your needs. They are not restricted or incentivised to a preferred panel of lenders or providers.
Restricted Panel Brokers: These brokers work with a limited number of lenders and can only offer products from that specific panel. Their options may be more limited compared to whole of market brokers. If a panel advertises itself as being representative of the whole of the market, this is still a panel.
Lender Only Brokers: These brokers represent a single lender and can only offer their products. They typically have a deep understanding of that lender’s offerings but do not provide access to products from other lenders, which may be more suitable.
A fixed-rate mortgage has an interest rate that remains the same for a specified period, providing stability in monthly payments. This means your payments won’t change, making budgeting easier.
In contrast, a tracker-rate mortgage follows the Bank of England’s base rate. This means your interest rate can fluctuate based on changes to the base rate, which can lead to varying monthly payments. If the base rate rises, your payments will increase; if it falls, your payments may decrease.
An early repayment charge (ERC) is a fee that lenders may impose if you pay off your mortgage or make significant overpayments before the end of an agreed initial term. This charge is outlined in your mortgage illustration and offer documents.
ERCs usually apply during the initial fixed-rate or discounted period of a mortgage. The amount of the charge can vary depending on the lender and the specific terms of your mortgage.
If you decide to sell your home or remortgage during this time, you may be liable to pay the ERC. Alternatively, for moving home, you can seek to take your mortgage with you, avoiding the need to pay an ERC.
A mortgage in principle (MIP), also known as an agreement in principle (AIP) or Decision in Principle (DIP), is a preliminary estimate from a lender indicating how much they are willing to lend you based on your financial situation. It is not a formal mortgage offer but shows that a lender is likely to approve your application, subject to the information provided being correct and validated by further checks.
An MIP is important because it gives you a clearer understanding of your budget when house hunting. Having an MIP can make you a more attractive buyer to sellers, as it demonstrates that you have the financial backing to proceed with a purchase. Additionally, it can help streamline the mortgage application process once you have found a property.
