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English Mutual Ltd
Head Office
22 The Tything
Worcester
WR1 1HD.
Tel: 0845 603 3679
Fax: 01905 613222

worcester@englishmutual.com

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Mortgage Planning

'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.

English Mutual Limited is an appointed representative of Sanlam Private Wealth UK Limited (which is authorised and regulated by the Financial Conduct Authority). English Mutual Limited and Sanlam Private Wealth UK Limited are both members of the Sanlam Group. Registered office: St. Bartholomew's House, Lewins Mead, Bristol, BS1 2NH, United Kingdom. Registered in England and Wales 3879955. English Mutual is a restricted financial advice firm, by which we mean that our recommendations will be restricted to the products and services of Sanlam where possible. In cases whereby Sanlam is unable to meet a client’s financial needs (for example where Sanlam does not offer a particular product), we will recommend an appropriate solution from the whole of the market.

Your home may be repossessed if you do not keep up repayments on your mortgage. A typical mortgage advice fee of £295 may be charged.The Financial Conduct Authority does not regulate Taxation Advice, Estate Planning, and some forms of mortgages. Equity release schemes can be very helpful but are not suitable for everyone. It is important to understand the risks and to understand the cost, the level of flexibility (if you might want to move home) and the possible impact on future state benefits. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Equity release schemes are high-risk products and you should take advice before you make any decision about whether to use them. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.