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Mortgages

Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers.

Whether you are a first time buyer, looking to re-mortgage or even looking to purchase a second home, this is where our advisers excel.

Image representing mortgages at The Mortgage Shop, Broadstairs, Kent

First Time Buyers

Buying a home for the first time will be a daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision to make.

To help you with making the right decision we have put together 10 top tips for you.

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Image of Mortgages from The Mortgage Shop, Broadstairs, Kent
Image of Life Cover from The Mortgage Shop, Broadstairs, Kent

Re-mortgages

When you re-mortgage, you are switching your mortgage to another deal, and frequently, another lender. Re-mortgages can be used for various reasons however, most people simply switch mortgages because it will work out cheaper for them.

For example, the introductory discounted interest rate may have finished with your current lender; therefore, you could potentially get a new discount rate, or a lower APR, with another lender.

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Buy To Let Mortgages

Becoming a private landlord should not be seen as an easy way of making money; it can be riskier and more complicated and there is no guarantee that house prices will rise.

That said, having a second property to let to tenants could reap considerable financial rewards over time. Read our 3 main differences in buy to let mortgages.

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Image of Mortgages from The Mortgage Shop, Broadstairs, Kent
Image of Life Cover from The Mortgage Shop, Broadstairs, Kent

Equity Release

Equity Release is a way of supporting yourself later in life by unlocking tax-free cash from the value of your home without having to move out.

If you're looking for extra money to help out your family, start home improvements or just make retirement a little easier, it could be a welcome boost to your bank balance.

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The Mortgage Shop normally charge a fee for mortgage advice. However, this will be dependent on your circumstances. Our typical fee is £374.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.