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Mortgages & Equity Release

“Using expert resources to find you the best deal in the market place” – The SBA Philosophy

Mortgages

Your mortgage is probably the biggest financial commitment you will ever make and normally, it is the largest payment out of your monthly expenditure, so with that in mind, it’s vital to make sure this important area is taken care of by experts, who know the mortgage industry inside out.

Whether you want to ensure you have the best mortgage deal available or release some additional funds to repay a loan, credit card, pay for any house renovations or even to buy a second property, it’s important to seek Independent Financial Advice. Your mortgage is important, but that doesn’t mean it has to be complicated. Our aim is to offer a friendly, jargon-free service, which ensures you have the best mortgage available, without any unnecessary stress or hassle.

Being completely independent means, we can access the entire market place to ensure you get the best deal. At an Initial Consultation with one of our advisors, we will sit down and explain in plain-english what options are available to you. We listen to your concerns and objectives and recommend the best route for you to take. Having assessed your mortgage needs and agreed the best type of mortgage for you, our specialists then use their expert resources to find the mortgage that’s right for you.

Equity Releases

Equity Releases have developed a pretty poor name for themselves in previous years. Thankfully, the equity release market has undergone radical changes and now there are a lot of myths surrounding equity releases, which simply are not true.

Myth: My home is no longer my own!
FACT: Your home still remains your property! With a Lifetime Mortgage Equity Release, just like a normal mortgage, you can sell, move or redeem the mortgage; you just don’t pay a monthly mortgage payment.

Myth: I will lose all the equity in my home and have nothing to leave for the children!
FACT: In extreme circumstances this could happen, but in most cases, assuming average interest rates and average house prices, you will still have equity to leave to the children.

Myth: Equity Release should only be used as a last resort!
FACT: Not at all. Certainly equity release may not be right for everybody, but it can also be used to help with a whole range of important issues, even if you don’t need the money, such as Inheritance Tax Planning, Long Term Care Fee Planning & protecting family assets from other unforeseen circumstances such as divorce. Most commonly, the modern day Equity Release can be a very useful tool in helping people enjoy their retirement by supplementing their income, if done properly, under the advisement of a truly Independent and Qualified Financial Advisor.

To book your free Initial Consultation please call us on 02392 325720 or use the Contact Form.