Whether you are hoping to purchase your first property or move home, planning ahead is key. We can help you to understand where you stand, what options are available, and what actions you can take to improve your position. Your dedicated property finance consultant will help you to establish: - What level of deposit you will need, and how the size of your deposit can influence options and costs. - How much it is possible to borrow: each lender has a different approach to assessing affordability, so depending on your circumstances you will find certain lenders more lor less generous. - The different types of mortgage that are available, and which best suits your requirements. - The impact of mortgage term (duration) and repayment strategy on monthly and overall costs, as well as the level of borrowing that is possible. - Associated costs: home ownership comes with bills and other associated commitments, we support you to build a clear picture of costs. - Risk Factors: taking on a mortgage is a significant commitment and should you fall ill, or worse, the monthly commitment will still need to cover covered. We can support you to understand the options and ensure your home and family are protected. We offer a complimentary initial discussion to assess your circumstances and answer any questions you might have. We will support you to devise a clear way forward for your property purchase, whether it be immediate, or over an extended timeframe. When you are ready to proceed with your property purchase, we act as project manager for your property transaction. Establishing the most cost effective mortgage to meet your needs, securing an agreement in principle to put you in the best negotiating position, and liaising with third parties such as solicitors and estate agents. We will submit your mortgage application on your behalf, keep on top of lender requirements, and chase progress to ensure the process is as quick and hassle free as possible.