OUR SERVICES

Mortgages

Our mortgage experts take away the stress of buying a new home, while ensuring you get the most suitable mortgage deal possible.

MORTGAGES

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.

REMORTGAGE

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 unbiased 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
Release equity
Achieve financial security

First-Time Buyers

The property market can be a daunting place for first-time buyers, but seeking professional, expert advice can help you to get your foot on the ladder. Our unbiased 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 Alternatives

While the Help to Buy scheme officially ended in April 2023, first-time buyers still have plenty of options to achieve their dream of homeownership.

Schemes such as Lifetime ISAs offer a 25% bonus on savings up to £4,000 annually, with a £1,000 yearly maximum. Shared ownership and the First Homes scheme also make property purchases more accessible by reducing financial barriers and offering a path to ownership. For those struggling to save a sufficient deposit, guarantor or family assist mortgages provide alternatives, allowing support from family or friends.

Please note: You will incur a lifetime ISA government withdrawal charge (currently 25%) if you transfer the funds to a different ISA or withdraw the funds before age 60 and you may therefore get back less than you paid into a lifetime ISA. By saving in a lifetime ISA instead of enrolling in, or contributing to an auto-enrolment pension scheme, occupational pension scheme, or personal pension scheme: (i) you may lose the benefit of contributions from your employer (if any) to that scheme; and (ii) your current and future entitlement to means tested benefits (if any) may be affected.

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?

MORTGAGES

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.
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.
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: Lifetime Mortgages and Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

MORTGAGES

Commercial Mortgages

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 master broker. Commercial mortgages are not regulated by the Financial Conduct Authority.

RETIRMENT PLANNING

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.
Contact Us

Lifetime Mortgages and 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.

Think carefully before securing your debts against your home. Your home may be repossessed
if you do not keep up repayments on your mortgage.

We are proud to be a founding member of one of the UK's top-ranked financial advice networks. Learn more about Quilter Group