Mortgage
Finance

Buying your first home
Your first home is a huge milestone and a large financial commitment. Make sure that you have the right mortgage to finance your purchase. Fixed rates protect you from rate rises but discounted or tracker rates are often cheaper.

Moore Stephens Financial Services have the experience to guide you through the choices and get you the best deal available.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying buy-to-let property
In terms of planning, tax advice and arranging finance, Moore Stephens Financial Services can help you make your purchase, whether this is your first investment, or the latest of many.

The Financial Services Authority does not regulate some aspects of buy to let arrangements.

Buying holiday property
In terms of planning, tax advice and arranging finance, Moore Stephens Financial Services can help you make your purchase, whether you are planning to purchase in this country or abroad.

The Financial Services Authority does not regulate taxation advice.

Potentially reducing the cost of your mortgage
Competition amongst lenders is fierce for re-mortgages. Therefore if you are currently paying your lender's full variable rate, in terms of planning, tax advice and arranging finance, Moore Stephens Financial Services could help find you a cheaper rate, often with valuation and legal fees met by the new lender.

The Financial Services Authority does not regulate taxation advice.


Reviewing your endowment
Endowments made very healthy profits for homebuyers in the past. Unfortunately, more recent events and other factors have been unhelpful for many endowment holders.

Moore Stephens Financial Services could help you examine whether your endowment is worth holding on to or whether it could be sold at a profit on the second hand market, and examine the costs of switching to repayment to help ensure that your loan is repaid when you want it to be.

Ensuring your mortgage can be repaid on death
The cost of life assurance has been falling for some years now and is now even cheaper as tax relief is often available. Therefore it makes sense to ensure that in the event of your own or your partner's death, plans are in place to make sure the mortgage has been repaid, without saddling your partner with a large financial burden.

At Moore Stephens Financial Services, we have access to all providers and could advise on the best rates available in the marketplace.

Ensuring your mortgage could be paid in the event of ill health
Dying isn't expensive, but surviving can be! Ensure that, in the event of a serious illness, your mortgage could be repaid or that you have a regular income to continue making your mortgage payments each month.

At Moore Stephens Financial Services we have access to all providers and can advise on the best rates available in the marketplace, as well as the type of cover best suited to your current circumstances.

Extracting funds from your home
House prices have now risen so much that, for retired people, the attraction of releasing equity from their home is very appealing. However, the options are numerous and you should not proceed without exploring all the options and taking advice.

At Moore Stephens Financial Services we have access to all providers and can advise on the best rates available in the marketplace as well as the type of plan best suited to your current circumstances.