FIRST-TIME BUYER
Mortgage brokers can help first-time buyers obtain suitable terms, which might help reduce some costs associated with buying their first property. First-time buyers need to consider costs such as stamp duty, valuation fees, solicitor fees, mortgage application fees, and the amount of deposit required before applying for a mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
HOME MOVER
You need a bigger house because you are relocating or possibly you’re downsizing to a smaller property. You want to avoid paying additional fees to your existing lender for redeeming your current mortgage and want to ensure you obtain the most competitive mortgage that meets your requirements.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
BUY-TO-LET
You want to become a landlord and require a buy-to-let mortgage, or maybe you’re already a landlord looking to purchase another rental property or seeking a remortgage on more competitive terms.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. NOT ALL BUY-TO-LET MORTGAGES ARE REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
REMORTGAGE
A remortgage is when you change your mortgage deal by switching to a different lender, often on more competitive or suitable terms.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.
RIGHT-TO-BUY
You want to buy a property which you have been renting from a housing association and would like to use the discount you receive on the purchase price towards your mortgage deposit to reduce the cost of buying your home.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
CONTENTS INSURANCE
Contents Insurance protects belongings like furniture, carpets and appliances from unforeseen vents should they need to be replaced. Policies can cover items you take away from your home as well and expensive items like jewellery and antiques. If you turned your house upside down any items which fall out would typically be covered.
AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY.
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