97 High  Street

Billericay

Essex

CM12 9AJ

Call   us  today  on

01277 630873

or

Authorised and Regulated by the Financial Conduct Authority

INDEPENDENT FINANCIAL ADVICE CENTRE

Click here to contact us

You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  
Your home is at risk if you do not keep up the  payments on a mortgage
Finding The Right Scheme
As stated on our opening page without technology because of all the variations, this is now an impossible task. Our technology can narrow down the choice of provider and scheme to suit your needs very quickly.
For a guide to current mortgage schemes and rates, click on the link below:-

First Time Buyers
Buying a house on a mortgage for most first time buyers is a stressful process. Apart from being unfamiliar with the process and terms used, this is a time when you are taking on new major commitments.

This is where professional help can ease the strain and check that you cannot only afford to buy your new home but also that you can afford to keep up the running costs. We are experienced in helping buyers and can guide you through the process from start to finish. We provide information for you not only on the mortgage but also on the set-up costs, such as survey fees, stamp duty, solicitor's fees, indemnity fees and mortgage arrangement fees where applicable


Re-Mortgaging
Years ago it was against the rules for people to take out a mortgage for anything other than house purchase and home improvements. But times have changed. Nowadays, you don't even need to specify why you are re-mortgaging, as long as the value of your property to which the new mortgage is attached is worth more than the loan and you are able to meet the mortgage payments.

Whilst house prices have climbed to new peaks over recent years, many have found it increasingly difficult to make ends meet - running up overdrafts on our bank account and putting an ever greater strain on our increasingly broad range of credit cards.

With mortgage rates still at low levels, re-mortgaging to release equity or to consolidate credit card and loan debt can seem appealing, but do remember that mortgages are repaid over a long period; usually 25 years. The cost of releasing equity can be very expensive over the term even though the interest rate paid monthly on the mortgage is lower than the interest charged on any unsecured loan or credit card. You could wind up paying a lot more over the long term by repaying debt through a mortgage then through another type of loan.

MORTGAGES