Our mortgage experts take away the stress of buying a new home, while ensuring you get the most suitable mortgage deal possible.
Expert mortgage advisers
Our team of mortgage experts remove the hassle of the home buying process and ensure you get the most suitable mortgage deal possible. Whatever mortgage type you require, our individually tailored approach means you can be sure you always have the complete picture, and that the options provided are the most affordable, competitive and practical.
Your dedicated case manager will work closely with you to deliver comprehensive advice and insight which will allow you to make the right choice for your financial situation and objectives. We do the legwork for you, and keep you up to date during each stage of your application all the way through to completion.
The most suitable deal on your mortgage
You could save thousands by switching to a lender with a more competitive offer or negotiating better terms with your current provider. Remortgaging can also reduce the term of your mortgage, or allow you to access the equity in your property, to cushion you from life’s ups and downs.
We are experts at arranging remortgages and can ensure you get the right deal for your circumstances. If you are approaching the end of your penalty period, we can give you impartial advice about the options open to you. Or if you have received an offer from your current lender, we can review it to ensure it meets your needs.
Save money on your mortgage
Reduce the term of your mortgage
Achieve financial security
First-Time Buyers &
The property market can be a hostile place for first-time buyers, but seeking professional, expert advice can help you to get your foot on the ladder. Our impartial mortgage advisers never stop searching the market for the latest and most suitable deals for first-time buyers. We’ll provide advice and insight on affordable options which will suit you for years to come.
Buying a new property involves other costs apart from your mortgage payments, such as survey and removal costs, buildings insurance, valuation fees and stamp duty. We can help provide clarity, and work to establish how much you will need to save, how much you can afford to borrow and what your repayments will be, giving you peace of mind about the decision you make.
Help to buy
Help-to-Buy is a mortgage guarantee scheme designed to help first-time buyers and existing property owners move up the housing ladder. It allows borrowers with a 5% deposit to buy property worth up to £600,000. With a Help to Buy: Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.
You won’t be charged loan fees on the 20% loan for the first five years of owning your home. If you live in London, you can borrow up to 40% of the purchase price. The Government has confirmed it will extend its Help to Buy equity loan scheme from 2021 to 2023. However, this extension will be restricted to first-time buyers purchasing newly built homes.
BUY TO LET
A better position from which to grow your property business
Buy-to-let re-mortgages offer the same benefits as domestic remortgages, therefore negotiating your most suitable deal affords you a better position from which to grow your property business. The buy-to-let market is complex, and there is no shortage of mortgage options to choose from.
As a valued client of The Financial Options Group, your adviser will always be on hand to answer your mortgage questions. We take pride in offering a personal service that takes into account your individual circumstances. Your financial situation is unique, so we work hard to understand your goals and aspirations, and make financial recommendations based on a comprehensive and detailed analysis of your needs.
Buying your first or next investment property can be a daunting prospect. There are many questions you will need to ask yourself, such as:
How much will it cost?
What return will I get?
Can I afford it?
How much deposit will I need?
What type of mortgage do I want?
Lifetime Mortgages & Equity Release
A lifetime mortgage is a way to boost your income later in life by allowing you to release some of the equity held in your property. It’s a type of equity release where a loan is secured against your home, which is later repaid once you have entered into long-term care or upon your death. With a lifetime mortgage, you get a tax-free cash sum (usually of £10,000 to £100,000), which may be taken all at once or released in smaller amounts as and when you need them. Interest is accrued on the amount you have borrowed; this can be repaid or added to the total loan amount.
If you still have a mortgage left to pay on your property, the money you release with an equity release mortgage will go to pay this off first. Then, it’s up to you to decide how you spend the rest, whether that’s on a big holiday, making home improvements, or helping to get your children onto the property ladder. You still keep ownership of your home, which you can continue living in until you die or you enter into long-term care.
At this point your home is usually sold and the money from the sale is used to pay off the loan amount. Particularly attractive to homeowners looking for an additional income stream, equity release is gaining in popularity because it lets you get cash from the value that’s tied up in your home, however there is no need to move house or downsize. 5 key reasons why equity release is becoming so popular:
The money you release is tax free
You can still own your home
No monthly repayments
Use the money however you wish
Lump sum or smaller instalments
Please note: Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
If you are looking to purchase a commercial property, we can help you to secure arrangements which provide the right financial advantages for your business. With global uncertainty having a significant impact on the current economic environment, we understand that the competitiveness of your commercial mortgage is key.
This is at the heart of the advice we give and you can be assured your business is in safe hands. The Financial Options Group refer any commercial mortgage enquiries to a third party which is not part of the Quilter Network.
Commercial mortgages are not regulated by the FCA.
The Financial Options Group can help
Our team of qualified advisers can talk you through all the options and give you simple, uncomplicated advice to help you make the right choice for your circumstances.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
The Financial Conduct Authority do not regulate buy to let and commercial mortgages.
Commercial mortgages are available by referral only.