Home is where the heart is.
After acquainting ourselves with your needs and priorities, our advisors will:
- Identify the optimal mortgage deal from the entire market.
- Ensure the security of your home in any circumstance.
- Handle all communications with other involved parties, such as Estate Agents, Solicitors, Lenders, and Surveyors. Give us a call, and allow us to assist you in finding the perfect home to fill with your heart!
Our home is our haven, where we retreat after long days at work, spend time with our loved ones, or simply enjoy some solitude. Whether peaceful or bustling, spacious or cozy, the most significant aspect is that it's "ours." Consequently, buying a home is often deemed one of life's most stressful events - more so than starting a new job, getting married, or having children.
So, why embark on this life-altering journey without the proper assistance? At Personal Investment Planning, our advisors recognize the emotions and potential stresses involved in buying a property. With our extensive experience, knowledge, compassion, and network of contacts, we aim to alleviate the stress associated with property acquisition, allowing you to focus on transforming a house into your home!
For a personalised recommendation tailored to your specific needs, reach out to us today.
Is your home working for you?
For many of us, purchasing a home is the most significant investment we'll ever make. It's only logical, then, to ensure that your home is optimized financially. Just as we regularly review other aspects of our lives, it's crucial to periodically assess your mortgage to ensure you have the best possible arrangements in place.
Additionally, we provide advice on leveraging your home as an asset to access funds for various purposes, such as home improvements, debt repayment, starting a business, or supplementing your retirement income. As one of the select advisors specializing in Equity Release/Lifetime Mortgages, we are equipped to thoroughly explain the advantages and consequences of tapping into your home's equity to meet your later-life financial needs.
Buy to Let Investments
With high interest rates affecting savings and mortgages, investors are increasingly re-considering property as part of their investment portfolio. The UK rental market is experiencing significant growth, and buy-to-let properties continue to present viable investment opportunities. However, the unpredictable nature of the property market underscores the importance of seeking expert advice to navigate this potentially lucrative investment arena.
There are several different kinds of mortgage on offer.
- Fixed rate mortgages charge a fixed rate of interest for a set period of time, giving peace of mind that if interest rates increase, your mortgage payments won't change.
- Tracker mortgages are directly linked to a specified base rate which can fluctuate. This means your payments could go up or down.
- Early repayment charge (ERC) - You will usually be charged a penalty if you want to get out of the mortgage during the fixed term.
You also need to consider arrangemet fees, early redemption penalties, offsetting, valuation and legal fees plus ensuring you meet the Lenders criteria which varies greatly. This is why you should seek advice to find the best solution, which is not always the lowest rate.
Your home is at risk if you do not keep up repayments on a mortgage or other loans secured on it.
Many individuals mistakenly believe that investment planning is only for the affluent. However, this notion is far from accurate, and ordinary people are indeed losing out on valuable opportunities.
What's on the market now?
Use our table below to get a glimpse at what's available now with various mortgage lenders. Toggle the options available to suit your personal situation. Need assistance? Contact us today.
Contact us today.
Ready to take control of your financial future? Contact us today for expert investment advice and personalised planning tailored to your goals.