Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

FIRST TIME BUYERS

Buying a house is one of the most important purchases you will ever make. It can be a very daunting experience but our adviser has years of experience helping hundreds of clients buy their first home and will explain the different types of mortgages on offer and recommend which mortgage is right for you. It’s not just about arranging a mortgage though, our advisor will complete a budget planner to make you aware of all the costs involved in owning your first home as well as being on hand to help you every step of the way liasing with solicitors, estate agents and surveyors to ensure that the house buying process is as stress free as possible.

REMORTGAGE

If you have a mortgage you may be paying more than you need to, and so a regular review of how your mortgage compares may result in significant cost savings by remortgaging to a different lender. Worried about the costs involved, don’t, many lenders have deals that cover the survey & legal costs normally associated with moving lender.

Remortgaging could not only save you money every month but if you are looking to raise money for an extension, loft conversion, home improvements or maybe to pay off other more expensive debts then a remortgage maybe a suitable option.

BUY TO LET

Given the current conditions in the property market leading to high demand in the rental sector, an investment property could be an ideal venture for the right person. However, finding the right buy to let mortgage has recently become more complex. Our expert adviser will help find the most suitable buy to let mortgage deal for you to safeguard your investment and maximise profits. We will help plan your portfolio by understanding your individual circumstances, both now and in the future. Some Buy to Let mortgages are not regulated by the FCA within the mortgage section.

HOME MOVERS

As an existing home owner, you’ll already understand how small differences in rate can have a major impact on your repayments and that it always pays to get impartial whole of the market mortgage advice. With many hundreds of mortgage products being released on a daily basis it’s very easy to be misled by these offers which often come with hidden charges or conditions that could be costly in the long term.

That’s why we’ll provide an experienced mortgage advisor, someone with expert experience in every type of home move mortgage with the promise to find you the most suitable deal. Unlike basic comparison sites, your advisor will also highlight all the costs of your mortgage (not just the headline rate) and will tailor your mortgage to fit your own exact circumstances. That very same advisor will also complete all the paperwork for you dealing with the lenders throughout to make sure everything goes smoothly from start to finish.

With a wealth of experience in every aspect of moving home, our adviser will always strive to make your move go as hassle free as possible, so give us a call today and discover for yourself just how much impartial mortgage advice could save you.

EQUITY RELEASE

If you or a family member are over 55 and own your own home, equity release could help you unlock the door to a more comfortable retirement. Equity release is a way of raising money against the value of your home.

You may have started to think about how you will manage financially in the future. If you own your home and have little or no mortgage, you may be considering equity release as a way to boost your finances. You borrow money against the value of your home, but pay nothing back until your home is sold – either after your death or if you go into a care home. This type of mortgage by its nature is an extremely specialised area which many advisers are not authorised to deal in. At Paisley Mortgage Centre we have a fully qualified adviser who is ready to offer the specialised advice to help you decide if this type of arrangement is something you should be considering.

*This is an equity release mortgage, to understand the features and risks ask for a personal illustration.

*Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Not all Buy to Let mortgages are regulaed by the Financial Conduct Authority.

A Lifetime Mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.