Some mortgages can appear to be fairly straight forward but in this ever-changing sector it is important to know which products are going to suit your specific circumstances from the outset. We know which providers are more accommodating to the self-employed; which ones make it easier to extend your repayments into retirement; which ones take pension contributions off your income and which ones include them. Having this knowledge will prevent you from wasting time seeking agreements in principle from lenders that are less likely to favour your situation.
It can be soul destroying and potentially disastrous to your property purchase if underwriting issues crop up, or a problem emerges with the selected mortgage weeks or even months into the process.
Our mortgage and protection specialist, James Whittingham, is here to help you navigate this complex area.
He will guide you through a 5-stage process outlined here and make sure that everything runs as smoothly as it can.
Your home may be repossessed if you do not keep up repayments on your mortgage.