Mortgages*
*Whilst we have chosen not to be authorised to advise on mortgages, we are able to give generic information about mortgages as part of your overall financial plan and if required, refer you to a a specialist mortgage adviser within Caliber Financial Associates who can help with specific advice in this area. We can, however, advise on suitable repayment vehicles, including policies that repay the mortgage in the event of death or critical illness.
You may still find our mortgage calculators useful to give a general guide on what you can afford.
At any one time there may be thousands of different mortgage options, only some of which will meet your needs.
While spending your lunchtimes and Saturdays walking from one bank or building society to another will normally get you a mortgage, a Mortgage Adviser may well be able to get you better terms.
A Mortgage Adviser will use powerful computer databases to sort through the vast range of mortgages and identify the best ones for your current circumstances.
That done, a Mortgage Adviser will also oversee the process of actually completing on the mortgage, ensuring that all the parties (lawyers, lender, yourself) etc have all the right documentation at the right time. This is an essential part of the service, as all too often communication breakdowns lead to otherwise unnecessary delays and complications, and their role is to ensure that all progresses as smoothly as possible.
If you are just starting to look for property and are unsure as to how much you can borrow, use this useful . If you want to know what sort of terms might be available then a Mortgage Adviser can give guidance on this so that you don't waste time pursuing unsuitable properties.
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Mortgages comprise various elements, the main ones being outlined below:-
A Mortgage Adviser will be pleased to explain these elements in more detail, and how they affect your specific needs and requirements. Written quotations are available on request.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Last updated on April 11, 2008