Mortgage Advice

Getting a mortgage is one of the biggest financial decisions you'll make, so it's important to get it right. We can assess the level of mortgage repayments you can afford; finding you a mortgage that suits your needs.

Whether you're a first time buyer, remortgaging, moving up the housing ladder or buying a property to rent to others, we can offer advice that is tailored to your circumstances.


As a mortgage is secured against your home, it may be repossessed if you do not keep up repayments.

The value of property investments and income from them can go down as well as up and investors may not get back the amount originally invested.

Commercial buy to let mortgages are not regulated by the Financial Conduct Authority.




Residential Mortgages

A lot of home-owners buy a second home, which they make into their residential home. Standard residential mortgages are specifically for properties that home owners want as their residential home(s).




Remortgages

Many homeowners change their mortgage supplier because their fixed rate mortgage is coming to an end and by changing to another provider they may find that they can save money on their monthly payments.




Buy to Let Mortgages

Buy-to-let mortgages are specifically for properties that landlords let to tenants and are often more expensive than residential mortgages

Commercial buy to let mortgages are not regulated by the Financial Conduct Authority




Equity Release

You could be facing a pension shortfall or have to meet unexpected expenses or simply want to fund a retirement treat, equity release can be an attractive option. It allows you to tap into the wealth you've accumulated in your property without the stress of having to move.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.




First Time Buyers

Buying your first home can be daunting. We can advise and make sure you're fully aware of any support that's available like any Help to Buy schemes




Flexible Mortgages

Flexible mortgages give you greater flexibility when compared to a normal mortgage. It will be the same as a “normal mortgage” with some extra flexible features bolted on. The features and how they work will differ between providers.




Self Build Mortgages

A self-build mortgage is a home loan taken out on a property which you are building yourself. The biggest difference between self-build mortgages and standard residential mortgages is that the funds are given to you in stages rather than as a single lump sum.




Current Account (or Offset) Mortgage

A current account mortgage (or offset mortgage) uses the balance in your everyday savings or cheque account to reduce what you owe on your mortgage on a daily basis.




Mortgage Pensions and Investments Limited Liability Partnership is authorised and regulated by the Financial Conduct Authority (https://register.fca.org.uk/).
Financial Services Register No: 454273

Mortgage Pensions and Investments LLP
Registered Address:
88 East Hill, St Austell, Cornwall, PL25 4TR
Registered in England and Wales, No. OC319405

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK
Decisions should not be taken based solely on the content of the website and individual advice should be sought first.
Regulations, levels and bases of taxation are subject to change.