Buying property is likely to be one of the largest financial transactions most people will undertake. Selecting the most appropriate mortgage to finance a property purchase is crucial to ones financial future and well being.
Mortgage lenders such as banks and building societies will offer their own interest rates, costs and incentive deals as well as applying their own criteria when making lending decisions to applicants. An Independent Financial Adviser, such as Optimum, is able to compare all the different mortgages on the market, including many that are not offered directly to customers. We will also be able to assess the personal affordability of a mortgage and reconcile the implication of it with clients individual financial circumstances.
Furthermore, Optimum’s mortgage advice service will not be limited to just helping to select the most appropriate mortgage but will also include making, and managing ongoing, the application to a mortgage lender on our clients behalf.
The various types of mortgage that Optimum advise on include:
- Residential purchase – Moving home or First Time Buyer
- Buy To Let – Purchase or Remortgage
- Equity Release
- Commercial Mortgages
Our service extends to working with a clients solicitor or accountant to ensure a smooth application process.
Personalised Mortgage Advice
Mortgage advice from Optimum will be specific and bespoke to our clients individual circumstances, affordability and objectives.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mark and his team have been a pleasure to deal with throughout the whole process. They have saved us a lot of time and stress. Many thanks. Ben & Beth Keeble
I have used Gary for many years and Mark has been very helpful this time in setting up a new mortgage arrangement. 10 out of 10, well done all. Also, thank you to Danni. Chris Manby & Rebecca Cooke