For many people, a mortgage is likely to be the single largest financial commitment you ever make. Ensuring that you have access to the most cost-effective and appropriate means of paying for your home and other property investments is a cornerstone of financial planning, and we are on hand to guide your through the mortgage maze.
As with all our services, when it comes to mortgage advice we listen first, then think and recommend. We take time to understand your wishes and goals, in the context of all your financial matters, never in isolation. Whether you’re a first time buyer considering your options, looking to move up the property ladder or simply assessing your current position, we will source the most appropriate deal for you.
There’s a wide range of mortgage products out there, with varying interest rates and repayment options available. As part of the Openwork network of over 2,500 advisers across the country, we have access to some of the best mortgage deals from over 50 of the UK’s best known lenders.
Our advice spans bridging finance, remortgages, self-build mortgages, offset mortgages, buy-to-let mortgages, and flexible mortgages. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority
First charge mortgage
Having assessed your needs and circumstances, we advise and make a recommendation for you on a first charge mortgage. On request, we provide illustrations for any regulated mortgage contract which spell out the contract details and costs.
If you are purchasing a property with the help of a shared equity loan, our advice also covers the shared equity second charge. Unfortunately, as we do not advise on any other second charge mortgages, we will gladly refer you to a master broker for second charges, who will be able to advise you.
Alternative finance options
If you are looking to increase borrowing secured on a property on which you already have a mortgage, the following alternative finance options may be available and may be more appropriate:
- A further advance from your existing lender
- A second charge*
*AWS is a credit broker not a lender.
We discuss this with you and help you arrive at the best decision for you.