Mortgages & Remortgages: Unlocking Your Homeownership Journey
Mortgages And Remortgages
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Congratulations on considering your homeownership options!
Whether You’re Moving Home Or Looking For A Better Deal, We Can Help!
Unlocking Your Homeownership Journey
Understanding Mortgages
Financing Your Dream Home: A mortgage is a loan from a lender to finance the purchase of a property. You repay the loan with interest over a set term.
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We offer a variety of mortgage options to suit your needs
Types of Mortgages
Fixed-Rate Mortgages
Lock in a guaranteed interest rate for the entire term, offering stability for your monthly payments.
Tracker Mortgages
The interest rate follows a benchmark rate (often the Bank of England base rate), meaning it can fluctuate.
Discount Mortgages
Receive an initial discount from the lender’s standard variable rate, but the rate can change in the future.
Shared Ownership
Buy a share of a home through the shared ownership scheme if you cannot afford the full deposit and mortgage payments.
I Can Help You Make Informed Decisions About Your Financial Future
Navigating Remortgages
Unlocking Savings
A remortgage involves switching your existing mortgage to a new one, potentially with a better interest rate or different features. This can lead to significant savings on your monthly repayments.
Ideal Scenarios
Consider a remortgage if your current fixed-rate term is ending, your property value has increased, or your credit score has improved.
We offer a variety of mortgage options to suit your needs
Making Informed Decisions
Free Mortgage Consultation
Schedule a no-obligation consultation with a qualified mortgage advisor to discuss your situation and explore mortgage or remortgage options.
My Core Values Are Transparency, Integrity And Personalised Advice
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Whole of Market Advisors
Unlike other advisors tied to specific lenders, we at NFC Mortgages have access to every single lender on the market. This means we can find you the most appropriate and competitive mortgage, which, in turn, could make a substantial saving for you.
Transparent Communication
We clearly explain all mortgage and remortgage options, fees, and terms, empowering you to make informed decisions.
Exceptional Service
Our advisors provide personalized support throughout your homeownership journey.
Mortgage Advice
Unlocking Your Potential
Whether you’re looking to move home or looking to save on your existing mortgage, we can help you navigate the process. Contact us today to discuss your options and take the first step towards achieving your homeownership goals!
Common mortgage misconceptions
I have only been self-employed for 1 year so I cannot get a mortgage
Wrong! We can use one-year accounts or latest year in isolation.
I have adverse credit
Not a problem, we ask all our clients to complete a credit file check so we can assess your financial commitments at the start of our process.
I want to get onto the property ladder, but I do not earn enough.
If you have a family member who is willing to help support you, we can organise a joint borrower, single proprietor mortgage.
I’m self-employed but I pay myself a low salary.
We can use pre and post-tax profits to prove affordability if you are a director of a limited company.
I am retired so my only option is equity release.
Although equity release is a good option in some situations it may not be your only option. We have lenders that will lend into retirement or can offer retirement interest only mortgages.
