Mortgage Advice

Mortgages have never been as highly regulated as they are today. We will ensure that you are advised on the right protection products that will run alongside the term of the mortgage to minimize potential risks should your circumstances change in the future.

Buy to Let Mortgage

We will offer advice and organise a buy to let mortgage.

This is a loan that is used to either purchase or re-finance a property that is going to be let out to tenants.

Buy to let mortgages are slightly different to ordinary mortgages as there tends to be higher fees to pay, higher interest rates, a minimum deposit to pay (25% of the property’s value) and most are interest only meaning that there is a lump sum to pay at the end of the mortgage term.

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Check My File

Are you ‘Financially Fit’ for a mortgage ? Why not find out by following this link. You will receive credit reports from Experian, Equifax and TransUnion. Upon receiving your report, I will be happy to provide a complimentary consultation based upon the results and will help you analyse your expenditure, potentially reducing your monthly outgoings. Just think, any money saved, could be put towards a deposit on your dream home.

Check My File Terms:

  • If you do not wish to be charged for Check My File, please cancel your subscription within the 30 day trial period.
  • By clicking the link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period.  This will allow enough time for you to register your information and download your report.  You are free to cancel this trial period at any time during the 30-day free trial period without penalty.  Should you fail or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter.
  • To get the best from this service, please ensure you register all of your primary and/or associated addresses within the last 6 years.
  • How Financial Review (Stockport) Ltd will receive a payment of £12 per free trial entered into via the link to Checkmyfile website.  This is payable whether you cancel the trial period or not.
  • It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.
  • By clicking the link you’re departing from the regulatory website of How Financial Review (Stockport) Limited.  Neither How Financial Review (Stockport) Limited nor Quilter Financial Planning are responsible for the accuracy of the information contained within their site. Details of how to unsubscribe or cancel this service, is available directly from the Checkmyfile website under their T&C’s which states “If you wish to cancel your subscription, please log in and send us a Secure Message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation.”

Moving Home

Some mortgages are portable and can be transferred to the new property that you are moving to. However, sometimes it is not quite as straightforward as it seems because you need to reapply for the mortgage and you may not qualify if your circumstances have changed or the lenders criteria has changed.

The property may be more expensive and you may need to borrow more, however, the lender may not allow this if you have already borrowed close to the maximum and if they do, you may be tied into poor interest rates.

Whatever, your circumstances, we will offer you the most appropriate advice to help you move.

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First Time Buyers

Although buying your first home is an exciting time, it can also seem a little daunting and confusing. This is where we are on hand to offer personal advice and recommendations.

We will take  the time to help you look at your finances, work out the cost of your mortgage, obtain a mortgage ‘Approval In Principle’, research the most appropriate products within your budget and guide you through the whole mortgage application process.

We are also just on the other end of the telephone should you have any questions or concerns along the way. We shall endeavour to make buying your first home a smooth and enjoyable experience.

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A remortgage is when you change the mortgage you currently have on your property, either by switching it to a new lender, or by moving to a different deal with your existing lender. This generally occurs when you come out of your fixed term to avoid early repayment or exit fees.

Many of our clients remortgage to pay a cheaper rate of interest therefore reducing their monthly payment.

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Words from our clients

“I would highly recommend Paul due to the excellent levels of service that I have received. Paul completed my own insurance but has also helped some of my clients with residential mortgages and insurance. All feedback has been outstanding with Paul’s approachable manner and superb knowledge often commented upon. I would not hesitate to recommend Paul in the future.”

“Having left a secure job to set up my own business, I was concerned that I had lost many of my previous employment benefits, including critical illness cover. I turned to Paul, who provided me with invaluable advice and a policy that ensured that I was fully protected at an affordable price. It was a really quick and easy process to go through and after a short telephone conversation, my policy was in place.”

“Paul was a huge help to us throughout the process of re-mortgaging our home with a new lender. Our previous fixed-rate term was close to expiring so we were keen to arrange a new mortgage as quickly as possible. Paul found us a better rate than we could find anywhere else on the market, without fees, and over five years! He was professional and helpful throughout the whole process, moving quickly so we didn’t incur any unnecessary costs with our previous lender. I would highly recommend him as a mortgage advisor.”

“I used Paul for a number of Financial products, and every time he has given me great advice that ensured I was getting the best deal. I use Paul for all my financial advice as I trust him 100%.”

“Paul did a great job of sorting me out with a good fixed rate mortgage deal. He had to work really hard to get the deal that I wanted but he did it. Highly recommended.”

“Paul did a great job of sorting me out with a good fixed rate mortgage deal. He had to work really hard to get the deal that I wanted but he did it. Highly recommended.”

“I would highly recommend Paul. Very knowledgeable, personable and has saved me a fortune! He rearranged my mortgages, home and life insurance. will definitely be using him ongoing now.”

Get in touch for a Free Initial Consultation today!

Let’s talk through your needs and arrange a visit to see how we can help.