Mortgages
Mortgages to support your financial goals.
The Value of Mortgage Advice
Purchasing, relocating, or refinancing a property is a significant step that can be incredibly exciting, but also intimidating. A mortgage, while enabling homeownership, represents a major financial commitment. The importance of taking mortgage advice from a trusted adviser cannot be overstated as taking out the wrong mortgage product could have potentially devastating consequences as your home may be repossessed if you can’t keep up payments on your mortgage.
Impartial Financial Management is here to guide you through this complexity. Our comprehensive access to lenders ensures you get a deal that fits your needs at competitive rates that you may not be able to acquire elsewhere. With expert advice, you can confidently secure a mortgage that aligns with your financial goals.
Going direct to a bank or building society means you will only have access to the mortgage deals it offers. By contrast, Impartial Financial Management will search a comprehensive panel of lenders to uncover the deals that are best suited to your circumstances.
Each year we help many people across the UK find the most cost-effective and appropriate mortgage deal for their individual financial circumstances, so you’ll find us knowledgeable, approachable, and friendly to deal with.
Contact us today and we’ll help you to finance your property.
The Value of Mortgage Advice
Purchasing, relocating, or refinancing a property is a significant step that can be incredibly exciting, but also intimidating. A mortgage, while enabling homeownership, represents a major financial commitment. The importance of taking mortgage advice from a trusted adviser cannot be overstated as taking out the wrong mortgage product could have potentially devastating consequences as your home may be repossessed if you can’t keep up payments on your mortgage.
Impartial Financial Management is here to guide you through this complexity. Our comprehensive access to lenders ensures you get a deal that fits your needs at competitive rates that you may not be able to acquire elsewhere. With expert advice, you can confidently secure a mortgage that aligns with your financial goals.
Going direct to a bank or building society means you will only have access to the mortgage deals it offers. By contrast, Impartial Financial Management will search a comprehensive panel of lenders to uncover the deals that are best suited to your circumstances.
Each year we help many people across the UK find the most cost-effective and appropriate mortgage deal for their individual financial circumstances, so you’ll find us knowledgeable, approachable, and friendly to deal with.
Contact us today and we’ll help you to finance your property.
Ensuring Your First Step onto the Property Ladder is Smooth
At Impartial Financial Management, we are committed to ensuring that purchasing your first home is an exciting and rewarding experience. While we can’t guarantee it won’t be stressful, we will ensure you have the right plan in place to finance your first property purchase. We’ll guide you through the stages, ensuring you understand your product choices and receive support throughout the entire journey. Additionally, we’ll introduce you to some of the available insurance options that can provide peace of mind. These options can help you continue to pay your mortgage if you were unable to work due to illness, injury, or a loss of income.
The mortgage market offers numerous options, each with different features to suit various circumstances. It can be overwhelming, but there’s no need to worry! Our advisers have access to a wide range of products specifically designed for first-time buyers, enabling us to find and arrange the most suitable deal for you. We can even assist you in securing an Agreement in Principle (AIP). An Agreement in Principle is a written estimate from a mortgage lender, providing an indication of how much you can borrow. You can present this to estate agents and vendors to demonstrate your seriousness as a buyer and your ability, in theory, to secure a mortgage.
We can help you to buy your first home. Contact Impartial Financial Management today, and let’s start this exciting journey together.
Your Trusted Partner for a Seamless Move
At Impartial Financial Management, we’re here to make your move to a new home a breeze. As an existing borrower, we understand your unique needs and can expedite the process, ensuring a hassle-free experience.
Our mission is simple: to provide you with a straightforward mortgage process and exceptional service, so you can focus on planning your move.
Why Choose Us?
With Impartial Financial Management, finding the right mortgage for your new home and budget is easy. Our expertise in the mortgage market and commitment to outstanding service make us the ideal choice for your home financing needs.
Protecting What Matters Most
We don’t stop at mortgages. Impartial Financial Management can also help you secure essential insurance coverage to protect your new home, your income, and your family. We’re dedicated to safeguarding your investment and your peace of mind.
Let’s make your move a smooth one. Contact Impartial Financial Management today, and let’s start this exciting journey together.
Manage Your Mortgage
Thinking about remortgaging? Whether you want to stick with your current lender or explore new options, Impartial Financial Management is your trusted guide in this important financial decision.
Why Remortgage?
Life changes, and so should your mortgage. Remortgaging allows you to find a better-suited deal for your current situation, potentially saving you money.
Additional Reasons to Remortgage:
- Your current fixed-rate mortgage deal is up for renewal.
- You’re seeking a mortgage with a lower interest rate.
- You want to transition from an interest-only mortgage to a repayment mortgage.
- The flexibility to make overpayments appeals to you.
- You need funds for projects like house renovations.
Avoid the SVR Trap
Delaying remortgaging can lead to higher payments on your lender’s Standard Variable Rate (SVR). While your existing lender may offer a “product transfer,” we recommend seeking professional advice. There may be better deals available in the market.
Our Expertise, Your Advantage
At Impartial Financial Management, we have access to a wide range of exclusive mortgage deals. Let our experts find the best solution for you, saving you time and potentially money.
Comprehensive Review
During our consultation, we’ll not only explore remortgaging options but also review your insurance plans to ensure they meet your current needs.
Don’t wait to improve your financial situation. Contact Impartial Financial Management today and simplify your path to a brighter financial future.
Become a Landlord or Grow Your Property Portfolio
Whether you’re embarking on your journey as a first-time landlord or you’re an experienced property investor, our team of experts is here to provide you with the right advice and support.
Unlocking Opportunities in Buy to Let Mortgages (BTL)
Are you an established landlord looking to expand your property portfolio, or perhaps you’re considering becoming one? Buy to Let Mortgages (BTL) are tailored for individuals who purchase property with the intention of renting it out. Property investment has long been regarded as a prudent addition to a diversified portfolio. However, the landscape of Buy to Let has evolved significantly over the past two decades, making it more crucial than ever to have your finances in order as the market undergoes substantial changes.
Maximise Your Rental Income with Impartial Financial Management
At Impartial Financial Management, we have extensive access to a diverse array of lenders and Buy to Let products. Our experienced advisers are equipped to help you secure the financing you need for your property portfolio, achieve your desired rental income, or expand your capital.
Who Is Eligible for a BTL Mortgage?
- Individuals looking to invest in houses or flats for rental purposes.
- Those who currently own a property. Owning an existing property can enhance your eligibility for a BTL mortgage.
- Applicants with a favourable credit history and manageable existing borrowings.
- Individuals within a specific age range. Many lenders typically impose maximum age limits of 70 to 75 years at the start of a mortgage.
Key Distinctions of Buy to Let Mortgages:
- BTL mortgages often come with higher fees compared to standard mortgages.
- Interest rates on BTL mortgages are generally higher.
- The minimum deposit required for a BTL mortgage is typically 25% of the property’s value.
- Most BTL mortgages are interest-only, meaning you pay only the interest during the term and repay the capital at the end.
- The maximum borrowing amount is influenced by the anticipated rental income.
Ready to embark on your journey as a landlord or expand your property portfolio?
Contact Impartial Financial Management today and let us help you navigate the world of Buy to Let mortgages and property investment.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Commercial Mortgage Expertise
Our goal is to simplify the process for businesses seeking to purchase or refinance their trading premises.
Your Journey with Us:
We connect you with a trusted Commercial Mortgage Expert who evaluates the best terms available across the market. From the initial inquiry to full credit approval and completion, we manage the application process.
Flexible Solutions:
Our experts cover a wide range of property types, including Shopping Centres, Industrial or Office Parks, and cater to various applicant types, from individuals to limited companies and trusts.
Bridging & Short-Term Finance:
Need quick funding for your business? Our experts can guide you through the options, including Invoice Finance, releasing up to 95% of funds tied up in invoices, often within 24 hours.
Please note that we do not provide advice in this area. If you’re interested in receiving advice on commercial mortgages or bridging finance, we can connect you with a specialist third party for expert guidance.
Still not sure if this is the right option for you, do you have more questions, looking for calculators to predict what policies might cost?
We’ve got you, Have a look at our online tools and support sections. where we have a list of our most common FAQ’s, Glossarys or terms and links for online calculators and our all round catalogue of content which we think is mega helpful!
Because we play by the book we want to tell you…
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £295 and this will be discussed and agreed with you at the earliest opportunity.
Get in touch
Alternatively we’re a friendly bunch, if you’d prefer to see us in person we can arrange for an appointment.
More traditional? If you prefer a good old pen and paper…
No problem, download one of our printable guides.
