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Whether you are seeking your first property, moving home, re-mortgaging to a new fixed rate or wanting to build your own home, our experts are here for you to find the right mortgage deal!
Whether you are seeking your first property, moving home, re-mortgaging to a new fixed rate or wanting to build your own home, our experts are here for you to find the right mortgage deal!
Starting out on home ownership is exciting times, and our in-house first time buyer mortgage experts will be there to support you all the way. Our aim is to get you a decision in principle in the shortest possible time!
Our team are ready to quickly process your application and source the right mortgage option for your needs. Moving house is stressful so make sure you have a mortgage professional on your team!
Looking to switch mortgage lenders to get a better rate? Or looking to raise further funds? We will look at our extensive range of lenders to find you the right fit.
Whether you are starting your journey with investment property or a seasoned professional, we have an extensive panel of lenders and can provide a wealth of knowledge in this area. Talk to us today.
Your property may be repossessed if you do not keep up repayments on your mortgage.
most buy to let mortgages are not regulated by the Financial conduct authority (fca).
A mortgage is like a helping hand to buy a home.
Imagine you find your dream house, but you don’t have all the money to buy it right away. That’s where a mortgage comes in.
You put down a bit of money upfront, called a deposit, and the rest is borrowed from a bank or lender.
You pay this borrowed money back over many years in monthly chunks, which include the amount you borrowed, known as the principal, and an extra bit, known as interest.
You can have a mortgage up to and over the course of 40 years, and the interest rate can stay the same or change.
As you make these monthly payments, you gradually own more and more of your home.
While many lenders will consider different types of affordability, figuring out how much mortgage you can afford is like finding the right-sized pair of shoes – it needs to fit just right.
This is where a good mortgage adviser comes in.
Your Mortgage Adviser will take a close look at your monthly earnings and expenses, including bills, groceries, associated protection, and savings for the future. After this, you’ll agree with your adviser a budget your comfortable with.
We’ll explore a number of different lenders and find you the deal that’s right for you, and make your home buying dreams come true.
Just using your Mortgage Adviser alone will improve your chances of obtaining a mortgage rather than using a price comparison site.
This is predominantly because price comparison sites don’t collect enough information about your circumstances to match you to a suitable product.
It’s important to show the bank that you’re a responsible borrower.
First, tidy up your finances by paying off debts and saving for a deposit if it’s feasible to do so. Lenders will want to see a steady income stream.
Don’t rush into big purchases or open new credit accounts before applying for a mortgage as it could potentially hinder your chances of obtaining a mortgage.
Discuss with your Mortgage Adviser before making changes to your circumstances.
Give us a call today and let us help you improve your chances of getting a mortgage.
When you sell your old home and buy a new one, your Mortgage Adviser will advise you on whether it’s more financially feasible to take your existing mortgage with you if it’s portable, or if its more cost effective, to move to a more competitive product.
But sometimes, if the new house costs more, you might need a bigger mortgage. Your Mortgage Adviser will help calculate this for you and help you understand the additional costs in the process.
Give us a call today and we’ll guide you through the process. So all you need to worry about is the packing, and then you’ll be moving in to your home, sweet, home in no time!
We know you might not have the typical 9-to-5 job with a regular income, but that doesn’t mean you can’t own a home.
We’ll work closely with you to understand your unique financial situation.
We’ll look at your income, expenses, and tax returns to figure out the right mortgage for you. It might take a bit more paperwork and patience, but we’re here to do it for you.
So, whether you’re a freelance artist, an independent contractor, or running your own business, we’re here to make your homeownership dreams come true.
We will get one of our professional managers to contact you
We do everything we can to keep your data safe. However, please note the internet is not a secure medium and we cannot guarantee the safety of your data.
I joined CFS Wills in 2020 after looking for a career change in which I could make a difference. Working with Paul again was a big factor with us initially working together over 30 years ago at Barclays Bank. We always stayed friends, and when the opportunity came to join CFS Wills I jumped at the chance. Having spent over 25 years in the motor trade and running car dealerships for over 10 years, I needed to do something different that would utilise many of the Skills and experiences I have developed over the years dealing with both private individuals and businesses. I wanted a career change that would not only be rewarding for me but be able to make a difference to peoples lives. Helping people put their affairs in order by simply completing a Will or Lasting Powers of attorney is for many quite cathartic. For most people, their Will is not very high on their wish list, yet everyone knows they should have one. For many, when they finally arrange their Will, you can see the relief in their faces.
Personally, I am married with two grown up children, but am now the proud owner of a dog (Springer-poo called Albi) for the first time in 30 years. To say he has taken over the house would be an understatement with almost everything revolving around him. We now all enjoy long walks and holidays near the beach for the dog. If Albi is happy, so are we!
Qualifications
ACIB- Associate of the Chartered institute of Bankers
MSWW- Member of the Society of Will writers
