Buying your first home can be both an exciting and daunting experience. It is important to know exactly what your borrowing options are and with the many mortgage products on the market it can be confusing. Speaking to us early in the process will ensure you have a confirmed budget and are in the best position to go out and find a property. It is best to ensure you have your paperwork in order and an agreement in principle in place prior to viewing properties.
Faye Richards Private Finance will provide you with clear guidance and support, holding your hand through the process from start to finish. We will also be happy to confirm your financial position to agents you are dealing with, which will help strengthen any offers you put forward.
Moving home is said to be one of the most stressful events in life, allowing Faye Richards Private Finance to take care of your mortgage application will help minimise some of this stress. Whether you are looking to port your existing mortgage, or start a new mortgage, we can assist. We can review both options for you and discuss the pros and cons.
Upsizing or relocating?
We know which lenders will offer maximum borrowing or will consider income from a new job.
It is best to speak with us as early as possible so that you have a full breakdown of your options before making the decision to move.
It is important to review your mortgage on a regular basis, it is likely you initially selected a rate which will apply for the first 2 to 5 years of your mortgage. As you approach the last 3 – 6 months of this initial period you will need to start reviewing your rate options so that your mortgage does not revert to the lenders standard variable rate.
Your options may be to stay with your existing lender and select a new rate from their product range or remortgage to a new lender which involves a full mortgage application process.
We will be able to review the options for you, factoring in any associated fees and the application process so that you can make the best decision for your situation.
Contact us to review your options.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR PAYMENTS
Faye Richards Private Finance is a trading style of Faye Richards Private Finance Limited. Registration number: 950504. Faye Richards Private Finance is an appointed representative of Paul Isherwood Ltd which is authorised and regulated by the Financial Conduct Authority (FCA), registration number: 827929.
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