MORTGAGES
Our homes matter and therefore choosing the right mortgage, also matters. Whilst it’s tempting to be lured into finding the best rate, only some may be suitable due to lenders criteria and affordability rules.
What We Do
Whether you are a first-time buyer, home mover, looking to remortgage, invest in a property or release equity, we will search the market and find a mortgage that meets your needs and requirements.
We offer mortgages from the whole market, but not deals that you can only obtain by going direct to a lender.
The small print...
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Our Approach
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
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04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.