So much to do; so little time

Regardless of your current situation or experience of the mortgage market, choosing the right deal for you can be an overwhelming task. In the current difficult economic conditions this is especially so.

Be it a flexible mortgage, a fixed rate, a capped rate, a discounted tracker rate, repayment or interest only mortgage, we can help chose the right arrangement for your circumstances. We act as your agent, representing your interests to all parties, creating a buffer or comfort zone for you to concentrate on other issues that need addressing. Like buying that leather sofa you’ve been dreaming of!

In an economic downturn, it is more important than ever to ensure you receive the best advice possible. Many people are now finding it more difficult to obtain a mortgage. Banks & Building societies are now cherry picking their clients and you need to know how to access the best interest rates.

Long-term mortgage affordability is the key factor in your home buying decision. You should remember this is your home and not necessarily an investment. Interest only mortgages have been popular but remember, you will still owe the full loan amount at the end of the term! Repayment of the capital should be your priority in terms of financial planning. Not only does your residential property gain value free of tax but it should also be remembered that this is your home.

How do you jump through those hoops to choose from all of these possibilities? You need an expert to guide you, the type of expertise you can obtain at Independent James.

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

Independent James are authorised and regulated by the Financial Services Authority – ref: 459851. This covers residential mortgages, general insurance and pure protection. We typically charge a fee for our advice, payable upon completion dependent on complexity of advice but on average £300.