Why Do 70% Of Mortgage Seekers Work With A Broker?

Mortgage Advice Lichfield Mortgage Advice Tamworth Mortgage Advice Sutton ColdfieldYour home may be repossessed if you do not keep up repayments on the mortgage.

Sometimes it feels like everything has to be done on-line. But, apparently there is no substitute for the human touch, especially when it comes to getting mortgage advice. More than 70% of people looking for a home loan choose to work with a broker.  If you make the wrong choice you could end up paying hundreds or even thousands of pounds more than you need to pay.

There are a number of choices open to you, including trawling umpteen websites and spending hours putting in applications to a range of lenders. Visiting various high street mortgage lenders one by one, or talking to a knowledgeable Mortgage Adviser about your home loan options.  The latter choice will save considerable time and probably considerable stress.

Advisers like us offer much more than just a transactional service, and because we are local we provide extra insights by providing mortgage advice for Tamworth, mortgage advice for Lichfield and mortgage advice for Sutton Coldfield borrowers.  We can help you find the most suitable mortgage for your circumstances and can help you work out how much you can afford to borrow, and explain what lenders are looking for when they assess your finances.  This may be particularly important if you have not been in your job for very long, have a low deposit or are self-employed.

Mortgages need to fit your unique needs. We can talk you through the features and benefits of different types of home loans and make you aware of any extra fees or early settlement costs.  You see sometimes the headline rate may not actually make the mortgage as attractive as it first seems.  We are experts so let us guide you.  And, when you are ready to make the application that’s when we step and take care of the transactional side of things.

Your first meeting with one of our mortgage advisers is at our cost and without obligation. So get in touch and make an appointment to talk about your options.

 

 

When Do You Know You’ve Got Enough Money?

Wouldn’t it be sad if at the end of your life you found you had more money than you would ever spend?  It would be even worse if you had worked for longer than you needed to, or had spent years worrying about having enough money.

Help is at hand! There is a new approach to financial planning called lifestyle financial planning. The knowhow of a qualified financial adviser combined with industry proven technology is now available to help you answer difficult questions like:

  • When will I be able to retire?
  • Can I afford to change career or go part-time?
  • Can I give some money to my children or grand-children and still be able to live comfortably?
  • What rate of investment return do I need to achieve my financial goals?
  • Am I taking more risk with my investments than I need to?
  • What if there is a stock market crash or two, am I still going to be ok?
  • If I downsize to a smaller home in the future will this release enough cash to support or fund my retirement?
  • What will be my estate’s likely inheritance tax bill, and are there ways to reduce this?
  • How can I mitigate tax and optimise the income my investments earn?
  • What of my personal dreams can I realistically achieve?

At Four Oaks we believe that money is only a means to an end.  It is what you want to do with your money that is important part of financial planning.  So don’t resign yourself to the daily slog until the Government retirement age.  Work with one of our Financial Advisers and put yourself in the driving seat with the destination being a happier and more rewarding life and peace of mind!!

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.