As a first time buyer, taking that step onto the property ladder can be overwhelming. We understand that first time buyers need step by step help and support throughout the process.
Or you might be looking to move into a larger property for that growing family, or the desire for a garden. Alternatively downsizing as your children have now flown the nest.
Mortgage applications can be a daunting experience and everyone's circumstances, credit history and employment statuses are unique. So getting a mortgage is not as straight forward as it once was. At Buchan Wealth Management we have years of experience helping our clients find the right mortgage for their needs and circumstances.
If you are coming to the end of your fixed/variable preferential mortgage rate or have already reverted to your lenders standard variable rate then it's the perfect time to review your mortgage.
You may be simply looking for a better deal or perhaps you want to borrow for home improvements, debt consolidation, school fees or even to pay for a family event like a wedding by releasing funds from your mortgage. The good news is that most lenders offer a free valuation and re-mortgage legal work for you to switch to them, giving you more choice whilst saving you money.
We'll save you time and work by searching the mortgage market to find the best solution based on your own personal circumstances.
Most of our clients have one of two priorities when they look to re-mortgage:
- Reducing their monthly mortgage payment to enjoy more disposable income each month.
- Keeping their monthly mortgage payments the same but reducing their overall mortgage term, potentially saving thousands of pounds and paying off their mortgage debt earlier than planned.
We make it our business to find out your individual priority and ensure our advice reflects this.
Buy To let
The majority of Buy-to-Lets (buying a property to rent out) are seen as long-term investments.
With a buy-to-let mortgage, rather than assessing your income for affordability, lenders will apply a formula to ensure that your mortgage payments are amply covered by rental income.
We retain your Buy-to-Let property information and diarise when it needs to be reviewed – offering a helping hand to keep you on top of things and save you time and money.