Jargon free mortgage advice

Whether you are purchasing a house for the first time, moving to a new home, buying a second home or remortgaging, you will need sound mortgage advice. Mortgages aren’t the easiest of things to navigate - they are time-consuming, complex and have an impact on whether you can or can not buy your dream home.

Three types of mortgage advice

Buying a house will be one of the biggest financial commitments you might ever make, so choosing a mortgage is a big financial decision – it is vital you get it right. The mortgage market is now hugely competitive, and lenders tend to use a lot of jargon, so it can be really difficult to understand exactly what is on offer. There are hundreds of lenders and each has a wide variety of options available. People will often opt for the cheapest, but this will not always work out for the best in the long run, as there may be other factors you need to consider in and around your finances. You can seek advice from your bank, but they will only be able to recommend products of their own. A mortgage broker is useful, but they don’t often have the capacity to look at how your mortgage will impact on the other areas of your finances.

Benefit from scale

Unividual are whole-of-market for mortgages but because we are part of Intrinsic we have access to good rates with certain product providers. We also have dedicated account managers, which speeds up applications and helps if unusual scenarios or questions crop up.

Why do I need mortgage advice?

It is possible to research and choose a mortgage on your own – but the mortgage market is absolutely huge. With literally thousands of options, it is difficult for an unqualified individual to establish the best option. Some of the things you will need to have the confidence to decide initially are whether you want a fixed rate, tracker, variable or flexible mortgage. You will also need to think about terms, lenders, deposits and fees, whether you want the flexibility to overpay, pay early or take a break. What will happen if you get a critical illness and can not afford to pay the instalments? What about home insurance? How will your next of kin be able to afford payments if you pass away?

With our support and education, we can ask the right questions to empower you to make the right decisions. We will take into account the costs to recommend a plan you can afford. You can focus on your move, and we will do all of the administration and chasing.

It isn't just a mortgage

Buying a home can impact on every area of your finances. Whether you are a first-time buyer or an experienced homeowner, having one person to advise you on all your financial areas means they have the whole context to ensure every decision you make is in line with your wider lifetime objectives.

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