MORTGAGES
A mortgage is usually the largest loan that any person will ever commit to. It’s an incredibly important decision to make and we understand that our clients need to secure the most suitable mortgage for them given their individual circumstances. This requires care, attention and a level of understanding that we pride ourselves upon bestowing upon every single one of our clients.
At Boutique Financial we have specialist knowledge and can provide you with advice following research into a comprehensive range of products from across the market that will suit you and your needs. In addition we have access, very importantly, via our access to rates that are unavailable direct from lenders on the High Street. This puts us (and in turn you) at a direct advantage in terms of mortgage choice.
Your home may be repossessed if you do not keep up repayments on your mortgage
The mortgage process shouldn’t cause headaches. In the UK, once you have found your perfect property, the process basically involves the following:
Ascertaining your budget
Making an offer
Applying for a mortgage
Valuation of your chosen property
Securing a formal mortgage offer
Conveyancing
Completion
The process can be straightforward, highly complex or anywhere in between, depending upon the many variables that can arise and the situation that our client is in. Our clients are wonderfully diverse, ranging from first time buyers to high net worth portfolio investors with more complex financial requirements. They seek out our expertise for guidance on residential mortgages, buy-to-let mortgages and let-to-buy mortgages.
Each individual client is treated with the same level of skill and attention, however we have specialist knowledge and vast experience in negotiating individual pricing and specific criteria for mortgages in excess of £1,000,000 giving you a truly bespoke experience.
Because we believe in openness and honesty we are happy to declare that there will be a fee for mortgage advice, the precise amount will depend upon your circumstances but we can estimate that it will be around £500.
Our product expertise and in-depth knowledge of the marketplace coupled with strong relationships with all of the major mortgage lenders equates to satisfied clients who are provided with a mortgage that fulfills their requirements at a competitive rate.
If you have any questions at all or would like some further information, please feel free to get in touch with us at either our Manchester or London office.