What is Mortgage Advice?
Mortgage advice is about helping you find the right mortgage product that suits your financial situation and long-term goals.
Whether you are:
A First Time Buyer
Moving home
Wanting to save money on your existing mortgage
Buying to Let*
A qualified financial adviser will assess your income, expenditure, and personal circumstances to recommend suitable mortgage options, whether you’re a first-time buyer, looking to remortgage, or investing in property. They’ll guide you through the complexities of interest rates, repayment terms, and lenders, ensuring you understand the costs and commitments involved.
With expert advice, you can make informed decisions and secure a mortgage that works best for you.
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* Buy to let mortgages are not covered by the Financial Services Compensation Scheme.
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Mortgage Repayments
Your home may be repossessed if you do not keep up repayments on your mortgage.
For mortgages we can be paid by commission or fee. If paying by fee this may be up to 0.5% of the loan.
Money Matters 2U UK Ltd is authorised and regulated by the Financial Conduct Authority. No 599247
The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
The FCA do not regulate Buy to Let Mortgages.
We are proud of the comprehensive and professional service we provide to our clients. However if you wish to make a complaint, please contact us. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567
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How can independent mortgage advice services help you?
Independent mortgage advice provides expert guidance across various mortgage options, saving you time and helping secure the best rates and terms for your needs.
1. Access to the Full Market
Independent mortgage advisers offer you a broad choice of mortgage products from across the market, not just from a single lender. This wide access allows them to compare deals, interest rates, and terms from various providers. This means you have a better chance of finding a mortgage product tailored to your specific financial goals and circumstances.
2. Personalised Mortgage Recommendations
A qualified adviser will take time to assess your full financial picture—including income, expenses, and future financial goals. This ensures they provide tailored recommendations, pinpointing mortgage deals that align with your needs. By understanding your current financial situation, an adviser can identify the most suitable mortgage deal, whether you’re a first-time buyer, looking to remortgage, or considering a buy-to-let property.
3. Expert Guidance on Rates, Fees, and Terms
Navigating mortgage rates, fees, and complex terms can be daunting. An independent mortgage adviser will help you understand the nuances of these aspects, clarifying any hidden costs and offering guidance on fixed vs. variable rates, early repayment fees, and more. This expert insight can save you time and money by securing competitive offers that align with your budget and payment preferences.
4. Unbiased Advice and Confident Decisions
An independent adviser acts solely in your best interest, offering unbiased recommendations rather than pushing products from a particular bank or lender. They help you make confident, informed decisions and provide support through each step of the mortgage process. With expert, impartial advice, you can be assured you’re making the right choices for your long-term financial stability.
Independent mortgage advice empowers you with comprehensive, expert-backed options, helping you secure the best mortgage deals and plan confidently for the future.
Types of mortgage advice available to you
First-Time Buyer Mortgages
Tailored advice to help you navigate the process of buying your first home, including understanding deposit requirements, government schemes, and securing a competitive mortgage rate.
Remortgaging
Guidance on switching your existing mortgage to a new deal, whether to secure a better interest rate, release equity, or change the terms of your current mortgage.
Buy-to-Let Mortgages
Specialised advice for property investors, including navigating the criteria for buy-to-let mortgages, understanding rental yields, and choosing between interest-only or repayment mortgages.
Help to Buy & Shared Ownership
Assistance in finding mortgages that fit within government schemes such as Help to Buy or Shared Ownership, designed to help you get onto the property ladder with lower deposits.
Fixed vs. Variable Rate Mortgages
Expert insight into choosing between a fixed-rate mortgage, which offers payment stability, or a variable-rate mortgage, which could provide lower rates but more risk.
Interest-Only Mortgages
Advice on whether an interest-only mortgage is suitable for you, and what your options are for repaying the capital at the end of the mortgage term.
Specialist Mortgages
Support for those with unique circumstances, such as self-employed individuals, contractors, or those with adverse credit histories, to help secure a suitable mortgage.
FCA Client Information website
Money Matters 2U UK Ltd: Registered address: Broadlands, The Street, Garboldisham, Norfolk, IP22 2QN: Registered in England: Company No. 05695862.
For advice on any of the above, Contact Us now.
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