MORTGAGES FOR HOME BUYERS


Mortgages for Home Buyers 

If you are moving home: Once your home has been valued, you can have a cost of moving meeting with a mortgage and protection adviser. This appointment is to help you work out your available deposit based on typical moving costs (estate agents’ fees, solicitor’s fees, stamp duty etc.) and paying off any mortgage or other commitments. They can then work out how much you can borrow with your new mortgage and check your maximum purchase price fits within your monthly budget. 

If you are an investor: Your mortgage and protection adviser can work with you to look at maximising your return on investment by checking if you can save money on your mortgage costs by switching to a better rate. They can also look into releasing equity to help finance further purchases if you’re considering expanding your portfolio.

Repayments: Whether you are considering regular overpayments or paying in the occasional lump sum, your adviser will help you to understand the benefits of paying off your mortgage debt as early as possible.

dot financial services can offer you:

  • A choice from 1000s of mortgages from over 90 different lenders
  • Personal face-to-face or telephone appointments with highly trained advisers scheduled at times to suit you
  • A dedicated central team to provide you with updates and support
  • An aftercare service that continues to look after you even after you have a mortgage or protection plan in place 
Call 0800 074 0095 or email enquiries@townends.co.uk to book an appointment or find out more.
 

Your home may be repossessed if you do not keep up repayments on your mortgage.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1.5%, but a typical fee is £499.

Townends (Residential Sales) Limited and Townends (Lettings and Management) Limited are Introducer Appointed Representatives of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority.
Introductions are made to dot financial services, which is a trading name of Townends (Financial Services) Limited, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited.
Townends (Financial Services) Limited.  Registered Office: Unit 2 Wintersells Rd, Byfleet, Surrey, KT14 7LF Registered in England Number: 03192085

MAB: 9319