See below for our Rate of the Week (4th December 2019)
Homemover 2 year fixed scheme until 31/3/2022 (LTV 60%)
*APRC based on a 25-year term
We recommend arranging a mortgage prior to starting your search for a new home.
Know how much you can afford
Find out what you could borrow and about schemes such as Help to Buy before you start looking, to avoid disappointment, missed opportunities and wasted time. Our independent advisors can comment on how the Mortgage Market Review affects your ability to borrow and discuss the rates and limitations of mortgages that may be suitable for you.
- Budget for the cost of moving
- No fee for the initial consultation
- Impartial mortgage advice based on research of the market
- Complete confidentiality
Avoid delays which could cost more than time
Not having a mortgage in principal could cost you your dream home. If you are ready to buy and searching for your perfect home, if you find it, it is unlikely any offer you make will be accepted if not supported by a mortgage offer or proof of cash.
Get an advantage over unprepared buyers
Often there is competition among buyers for a property, this could mean the seller is weighing up several offers. Aside from the amount offered there are other factors that will be considered, often the biggest question is ‘Do they have a mortgage offer?’. People selling property don’t want to add any complications and being prepared offers the smoothest sale for both buyer and seller.
At Mackenzie Smith we ask all buyers about their mortgage position, serious ready buyers are much more likely to complete a sale than a buyer who still has to arrange a mortgage.
Make sure you have time to find the right mortgage
There are a wide range of mortgage products from a multitude of lenders; fixed rate, tracker, repayment, interest only, buy-to-let to name a few variations. Our independent advisors can take you through what options might work for you, explain the different types of mortgages, how they work and make recommendations so you can be confident you have made an informed decision.
Our independent financial advisors are authorised and regulated by the Financial Conduct Authority. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.