At Parker Kelly Financial Services we have a dedicated team of Mortgage Advisers who can provide impartial advice tailored to your personal requirements.
At any one time there may be over 3000 different mortgage options, only some of which will meet your needs . So we use the latest software to sort through the vast range of mortgages and identify the best one for you.
That done, a Mortgage adviser will also oversee the process of actually completing on the mortgage, ensuring that all the parties (solicitors, lender, yourself) have all the right documentation at the right time.
This part of our service will ensure that all progresses as smoothly as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.
First Time Buyers
Owning your first home can be one of the biggest decisions that you can make. Our advisers will listen to what you want from a mortgage, explain the different options available to you without confusing matters with technical jargon and then search the thousands of different mortgage products to find the best deal that suits your needs.
We will help you through the application process, valuation of the property and take you straight through until you get the keys to your new home.
We can also advise on Government incentives that may be available to you, such as Stamp Duty charges and Help to Buy schemes
Remortgaging can be an important part of your financial review as the rate of interest that you will ‘revert’ to at the end of your current deal may not be the best rate for you. Many mortgage deals will finish and you will be transferred to the lenders Standard Variable Rate (SVR) which could be higher than your current rate of interest.
Our mortgage advisers will look at the market again to see whether there is the opportunity to save money on your mortgage each month, or potential to reduce your mortgage term in the future. With thousands of products available to us, we will look at the lenders with the best rate of interest, incentives and fees to offer you the best advice moving forward.
As time goes by our circumstances will change, and a new property may be part of future plans. If you are moving home we feel that this is the perfect opportunity to review your current mortgage and see whether a better deal is available.
Whether you are trading up to a larger property or downsizing our advisers will assess your finances to make sure that the future decisions are affordable to you. Moving to a larger property can mean an increase in your financial outgoings, so making sure that any decision is affordable to you is imperative. Our team of advisers will look at your current circumstances and advise the best course of action. We will look for the best mortgage products on the market to make the purchase as smooth as possible.
At Parker Kelly Financial Services, we have a dedicated team who will help you through every step of your mortgage.
So, how can we help you?