We are financial advisers with years of experience finding just the right mortgage for our clients. We are experts in guiding people through the entire property buying process, from ‘love at first sight’ and Stamp Duty to choosing a solicitor and insuring your contents.
We also specialise in mortgages for the self-employed and business owners. We understand that it’s not always possible to provide the cast-iron proof of earnings which high street lenders demand, but we don’t believe entrepreneurs should be penalised for that. Using our trusted and extensive network of lenders, we deliver.
Your home may be repossessed if you do not keep up the repayments on your mortgage.
MovingHome It’s a big deal moving home, with a great deal of uncertainty around many factors beyond your control, like timing. We will help you identify a realistic budget to help guide you when looking for your new home. We will address affordability, stamp duty and legal fees as well as a time-sensitive view of the lenders, as rates can fluctuate significantly from one lender to the next. Remortgaging The honeymoon period is over. Your mortgage company dazzled you, showing you the best they had to offer. Skip forward a few years and the same cannot always be said. We can help you take a look at the market to see if switching to a new mortgage deal could save you
About You We all grew up understanding that buying a home is considered to be a worthwhile investment. Despite the world being a very different place these days, it still is. Whether you need a mortgage to buy your first, or next, home, would like to release some capital through remortgaging, or you’re thinking of expanding your buy-to-let property portfolio, we will find the mortgage product that’s just right for you. Self-employed There’s no denying that applying for amortgage as someone with an irregular income is considerably more challenging and laborious. By understanding the hurdles you will face, we can pre-empt them and ensure you have everything you need to prove you are a solid investment. Buy-to-Let Is a buy-to-let the right solution for you? One property or a whole ‘portfolio’? Owned personally or within a limited company? We will make the time to understand your individual needs, goals and preferences before we make any recommendations. Most forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority. First Time Buyer With changes in the way we live and the financial world we find ourselves in, it is unsurprising that the array of mortgage products available reflects this. As a first time buyer, lenders appreciate that your deposit may be built through savings or gifts, or even supported by ‘the bank of mum and dad’.
money, or whether your existing lender will offer you a good enough deal to retain your business.
Self-employed
Whatever your reasoning, we will help you to find the right mortgage product for your needs. You may have to pay an early repayment charge to your existing lender if you remortgage. Insurances We’d be delighted to shed some light on which insurance products would benefit you, not just now, but in the future. We are strong believers in the protection offered by the right policy for the right circumstances. This isn’t a box ticking exercise; this is what happens when the unexpected occurs. So let’s make a plan.
Buy-to-Let
First Time Buyer
Moving Home
Remortgaging
Life Assurance
Income Protection
We will guide you through all the options and lenders available to you, to find the right product to fit with your life.
Critical Illness
lb-ms.com
Printed on 100% Recycled Paper
Made with FlippingBook - professional solution for displaying marketing and sales documents online