Mortgages

Mortgages

First Time Buyers

The first steps towards owning your own home are, at once, both exciting and challenging.

Whether this is a personal or joint venture, your commitment brings lifestyle benefits and the prospect of  growing financial rewards - the extent of which will depend on obtaining the best deal available on the market.  We work from a comprehensive panel which is representative of the whole of the market.

We can assist you in negotiating a fair and possibly lower price for your desired property and we can facilitate a unique access to deals across over 70 lenders, this ensures that you have the right available options for consideration.

Our service is personal and on-going - so you can rely on us to be there in the future should you need to take advantage of offers which may become available when your deal period expires.

Additionally, to protect your investment and give peace of mind when it comes to financial stability, we can facilitate a one-stop shop for insurance protection

Buy to Let or Let to Buy Mortgages

You can rely on our experience to give you clear and transparent information on Buy to Let or Let to Buy Mortgages.

Whilst Buy to Let Mortgages work differently to residential mortgages, the advisor will seek out the best deal for your circumstances and cut through the uncertainties and explain everything that you need to know.


Let to Buy Mortgages can help you buy your next house where you don't have a buyer for your existing home. You will receive advice on whether this is right for you and offer the best mortgage deals available.

​Drawing on years of experience in this field, you can rely on the provision of the best advice in all prevailing circumstances. Our local knowledge has proven to be invaluable time after time in securing great deals for clients.


Please Note: Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Remortgages

Remortgaging isn't right for everyone, but if it is, you can save some serious money. We help you avoid the pitfalls.

Negative Equity
If you think you are in a negative equity situation, namely that your outstanding debt is greater than the value of your home, we are happy to discuss possible options.

Equity Release
If you are over 55 years, you could consider releasing some of the equity (cash) in your property to facilitate home improvements or a variety of other projects to improve your circumstances sooner rather than later.  Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. 


Equity Release services are referred to a third party. Neither Willerby Mortgage Services nor PRIMIS are responsible for the service received.


A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.


Improved Mortgage Deal
If your current mortgage deal is ending, remortgaging at a lower rate can make way for significant savings. We facilitate a search of the market, evaluate the various options and ensure that you receive the best advice on the most advantageous deals for your specific needs.


Please Note:

We are not authorised to provide advice for equity release products. This will be passed to a suitably qualified and authorised specialist. To understand the features and risks ask for a personalised illustration. An equity release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit.


Depending on the adviser you are referred to, there may be a fee for equity release advice the value of which will be confirmed at any initial meeting.

PLEASE NOTE:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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