'An Englishman’s home is his castle.' Or her castle for that matter.
Whatever the state of the UK housing market, or indeed the wider economy, nothing seems to dampen the average British persons desire to purchase and own property. It is a want drummed into all of us from a very early age, something nearly all of us aspire to do, whether it be a house to live in, to rent out, visit at weekends, for investment purposes, or as a 'bolt hole' in the sun.
Whatever your reason for wanting to buy a property, irrespective of whether it be your first, last or part of a portfolio, it should not be a decision taken lightly; especially if borrowings are required in the form of a mortgage.
Our view is that whatever property related funding is being sought; sensible, qualified and empathetic whole of market mortgage advice should always be taken. And, whilst important, it goes far beyond finding the best ‘mortgage deal’ for you. Sometimes the desire to own a particular property is such that we can often be blinded as to whether it is actually a good idea.
We have all heard stories over the last few years about unscrupulous lenders and brokers who have arranged mortgage lending for customers irrespective of whether of not it was in their best interests, acting purely out of greed. We believe that besides finding the ‘right deal’ for our clients we must also ensure that the client suits the deal; that no one gets ‘out of their depth’, that clients have a full understanding of both the upsides and the downsides of their arrangements; that all decisions made are made for the right reason.
Our mortgage advice is not limited to assisting with the purchase of a property either.
We have a specialist team of Financial Planners who are able to guide those in the later stages of life, who are looking to release equity from their home. Often these are situations where a person needs enhance their retirement income; where they are typically 'asset rich' through ownership of their home, but 'cash poor' in the amount of money they live on. There are a range of options available to those looking realign their financial arrangements and in this area we are delighted to be of assistance.
Mortgages are the cornerstone of our business. We employ a ‘whole of market’ perspective to mortgage planning, having access to nearly every UK lender. The English Mutual approach is one of guidance, support, mentoring and best execution; of seeing the job through to the end. That’s why our mortgage clients come back to us again and again, often referring friends, colleagues and family members to our team.
To discuss your mortgage requirements in detail click here to arrange an appointment with an English Mutual Mortgage Adviser.