​

As an independent mortgage adviser, I keep your best interests firmly at the forefront of any advice I give.

 

My independence means I have access to a wide array of lenders, so that I can cater to an even wider array of clients' needs and circumstances.

​

I am also incredibly fortunate to have the Abacus administration team doing their utmost for clients to ensure the whole process is as smooth as possible, by co-ordinating with lenders, solicitors and estate agents from start to finish.

​

I am available to contact at any time before, during and after the mortgage process, and I actively encourage clients to speak to me whenever they have questions or concerns.

 

Taking a mortgage can be a stressful process, and I look to add value by supporting you with professionalism and honesty at all times.

​

I offer a no-cost, no-obligation initial meeting, where we can assess your current circumstances, establish your objectives and evaluate the options that may be available to you.

 

I will clearly inform you of the potential costs involved when explaining your options to you, so that you should have all the information you need to be comfortable with any decision you make.

​

I also aim to make you aware of any insurance needs or shortfalls that may need addressing.

​

Mortgages on, and equity released from, your home will be secured against it - your home could be repossessed if you do not keep up mortgage repayments.

​

First Time Buyers

​

• Completing an assessment of your anticipated borrowing ability

• Explaining the house buying process step-by-step from start to finish

• Providing an indication of the potential future costs and options

​

Homeowners

​

• Re-mortgaging for a more competitive interest rate

  • If you are ​paying your lender's Standard Variable Rate of interest, you may be able to make substantial savings on your monthly payments

• Re-mortgaging to raise capital​ for a range of purposes, for example:

  • Carry out home improvements​

  • Purchase another property

  • Consolidate personal debts (Think carefully before securing other debts against your home)

​​​

Homemovers

​

• Providing advice prior to looking for a new home:

  • Helping to assess the level of equity you have in your current home

  • Completing an assessment of your anticipated borrowing ability

  • Providing an indication of the potential future costs and options​​

​

Buy-to-Let Properties / Investors

​

• First Time Landlords looking to acquire a property

• Experienced Landlords looking to accumulate or re-finance their property

• Portfolio Landlords - including more complex needs, such as raising finance across multiple properties

​

Equity Release (later life lending)

​

• Releasing equity from your home before or during retirement

• ​This could be for a range of purposes:​

  • Re-financing an Interest-Only mortgage before retirement

  • Creating an extra source of retirement income to spend as you wish

  • One-off luxury expenses

  • Making gifts to family members

  • Repaying personal debts (Think carefully before securing other debts against your home)

• It is important to seek independent legal advice when entering into an equity release arrangement​.

​​

Divorcing / Separating - Mortgage Capacity Report

​

• Completing an assessment of your anticipated borrowing ability, and providing a written report for reference during the separation process

• Re-mortgaging to buy a larger share of an existing property

• Arranging a new mortgage to buy a new property with sale proceeds from a previous home

​

Please contact me for more information about this service.

​

​