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t: 07828 145593 e: info@finessemortgageservices.co.uk

How can we help you?

First Time Buyers

First Time Buyers

We will discuss all the associated costs involved such as Conveyancing, Surveys, Stamp Duty and Mortgage fees.

Moving Home

Moving Home

When you’re thinking of selling your existing property and moving to a new home it’s important that you try and budget accurately.

Remortgaging

Remortgaging

Many of us are looking for a better mortgage deal or would like to release some of the equity in our home.

Buy To Let

Buy To Let

The Financial Conduct Authority do not regulate some forms of Buy to Let mortgages. Your property may be repossessed if you do not keep up repayments on your mortgage.

Buying a property is the biggest single financial commitment you’ll ever make

When you’re thinking of selling your existing property and moving to a new home it’s important that you try and budget accurately.

HOW MUCH CAN YOU AFFORD TO SPEND ON YOUR NEW HOUSE?

To enable you to work this out, you need to know what your total available funds are and then subtract the cost of moving home.

  • What savings or assets do you have (not relating to your existing home)
  • What do you think your house will sell for
  • What do you still owe on your existing mortgage
  • What will it cost to sell your house
  • What fees are related to buying your new home

Once you have an idea of the categories above you can start on you r next property. What can you afford to spend per month on your new repayments – we cannot stress enough how important it is to not overstretch yourself.

Most lenders work on affordability of what they will be willing to lend to you, we will be able to provide you with illustrations based on different rates, as if rates do start to increase you need to ensure that you can still afford the monthly repayments.

Every lender is different and with so many different mortgages available it pays to get professional advice.

By calling us we will advise you what the maximum you can comfortably afford to borrow within your budget, that way you can ensure that you get the best deal for yourself.

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