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  • mortgagesHome Purchase is likely to be the most significant financial transaction an individual will ever undertake. The mortgage market is more complex than ever, with the need to consider flexible or regular plans, discounts or trackers, fixed or capped rates.

    We recognise the potential headache the mortgage and home purchase process can be and introduced our ‘Complete Mortgage Solution’. Through our personal and comprehensive client service we aim to minimise the anxiety. Our mortgage advisers and support team will look after the complete process on your behalf. We can also review your rates regularly to make sure you have a product that suits your needs.

    Download our Complete Mortgage Solution brochure Don’t worry, it’s free!

    We are able to research the mortgage market and advise you on the most appropriate package according to your circumstances and future plans. Indeed, because of our unique relationship with many lenders we have been able to negotiate exclusive deals for our clients.

    In addition, because of the ever changing face of the mortgage market, we offer a comprehensive remortgage service, providing our customers with significant monthly savings and realising much needed disposable income. This can include debt consolidation, capital raising and home improvements.

    Whatever the situation, finding your way through the complicated web of mortgage deals can be a very time-consuming and stressful experience.

    Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

  • first-time-buyerClearly, buying your first home is one of those exciting life changing events and need not be a daunting prospect.

    We will help you every step of the way and would welcome the opportunity to meet with you right at the beginning. This is the first stage in us assisting you to find the most appropriate lender and deal given your circumstances. There are many new things, as a first time buyer, that you will experience that need to be considered.

    We can liaise with estate agents, negotiate with mortgage lenders and introduce you to solicitors.

    We will guide you through all of the stages from the initial discussions, budgeting and planning to formal mortgage application, underwriting, property valuation, mortgage approval, exchange of contracts and then MOVING DAY!!

    We will hold your hand as tightly as you wish throughout the whole process.

    To get you off to a good start, download our ‘First Time Buyers Guide’ by submitting your email address below. This will offer you some sound advice and help prepare the ground before making your first move. You will see there are steps that you can take now to give you the best opportunity of securing the most appropriate mortgage deal for you.

    Download Our First Time Buyer PDF

    1. Please type your full name.
    2. Please type a valid email address.
    3. Please tick the box to prove your human!

    Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

  • If you’re struggling to get onto the housing ladder, a recent government-backed initiative could be just the ticket, enabling you to make the move into home-ownership.

    Launched in April 2013, Help to Buy enables residential home buyers to purchase a property with as little as a 5% deposit.

    Help to Buy
    consists of two schemes:

    • Equity Loan: Available since 1st April 2013 on new build properties.
    • Mortgage Guarantee: available since late 2013 on new build as well as existing properties.

    Equity Loan

    Equity Loan

    With a deposit of just 5%, under the Equity Loan plan of Help to Buy you can borrow an additional 20% of the property’s purchase price. The government loan is interest-free for the first 5 years. In the sixth year, you’ll be charged a fee of 1.75% of the loan’s value. Following this, the fee increases each year by the Retail Price Index plus 1%.

    Here’s an example of how an Equity Loan can help you: if the property you want to buy has a price of £200,000, with a 5% deposit you can receive a 20% equity loan of £40,000, with your mortgage coming in at 75% of the price at £150,000.

    If you think you might qualify for the Help to Buy Equity Loan scheme, the property needs to be a new build and priced under £600,000. It is currently only available to full ownership buyers within England..

    Mortgage Guarantee

    Mortgage Guarantee

    The second stage announced late 2013 is the Mortgage Guarantee scheme, recently announced by the government as being available to first-time buyers and existing home-owners. It excludes buy-to-let and second home properties.

    Launched late 2013, Mortgage Guarantee aims to increase the availability of mortgages for buyers with small deposits. As with the Equity Loan scheme, you can purchase your dream home for as little as a 5% deposit on new build and existing properties up to £600,000 in value.

    The government is looking to provide up to £12 billion in guarantees, enabling higher loan-to-value mortgages.

    The Mortgage Guarantee plan could mean that a property that was previously unaffordable is now within your reach.

    How do I apply?

    How do I apply?

    If you would like further information on either the Help to Buy Equity Loan or Mortgage Guarantee schemes, then Cotswold Financial Planning is happy to help.

    As Mortgage Advisers with many years’ experience negotiating the mortgage and housing market, we can offer you qualified advice that comes without any obligation.

    Contact us today to confirm your eligibility for Help to Buy and you could be one step closer to your dream home!

    Help To Buy Guide

    Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

  • Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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