Home Finance

First Time Buyer

Buying your first property can be daunting but we’re here to guide you through every step of the transaction until you hold the keys to your new home.

Whether you’re buying by yourself, with a partner, a friend or family member, we can help! Perhaps you’re interested in scheme’s like Shared Ownership* or Right to Buy*? We’re familiar with them all and can recommend the most suitable scheme for you.

*Right to Buy and Shared Ownership rules differ in Northern Ireland. Shared Ownership is no longer available in Scotland or Wales

Home Mover

Need to move home?

Regarded as one of the more stressful life events, let us reduce the stress and take care of the finances.

We’ll review your situation to establish your budget and advise the most cost-effective route forward, be it staying with your current lender or switching to a new one.

Other

Looking to do something a little less common? We can assist with anything listed below:

  • Second residential purchase

  • Auction purchase

  • Concessionary purchase

  • Self-Build

  • Complex income structure

  • Let-to-Buy

Refinance

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Remortgage

Is your current rate or mortgage expiring? This is a great opportunity to review your mortgage and make any adjustments to better suit your life plans. Better yet, we’ll source the market for the most cost-effective option to switch to potentially saving you money.

Restructure

Have your circumstances and requirements changed since your mortgage started? Perhaps you need to add or remove an individual, change your repayment structure or decrease your monthly payments? Tell us your situation and what you would like to achieve and we’ll advise the best way to restructure your mortgage.

Additional Borrowing

Needs funds for any of the below? We can help:

  • Extension/renovations

  • Additional property purchase

  • Gifted funds

  • Tax obligations

  • Debt consolidation

Think carefully before securing other debts against your home.

Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term.

Your home may be repossessed if you do not keep up repayments on your mortgage.