Experienced mortgage advice specialists for your Epsom home plans
What makes us different at Private Wealth Mortgages is that we provide you with the best mortgages on the market for your personal circumstances and individual goals. We don’t just provide you with a list of mortgage lenders. Our service includes a detailed assessment and review of your current personal and financial circumstances. As an example, you may be self-employed and have difficulty understanding what kind of information you need to provide to a lender, or you’re a first-time buyer on a low income. Maybe you’re a couple with joint incomes, but one of you is planning to give up work in the next couple of years. Whatever the circumstance, we can help you find mortgage options that give you financial security and help you with what’s best for you and your family.
But it’s not only our expertise in the mortgage industry you gain when you come to us. We are the mortgage adviser Epsom residents can depend on to guide them through the entire property purchase. This includes recommendations for: surveyors, accountants, conveyancing specialists, protection and insurance policies.
Why choose Private Wealth Mortgages?
– Our fully qualified mortgage advisors have more than 30 years of combined experience navigating the market and clients receive a mortgage strategy that helps them live more securely and comfortably both now and in the future.
– Whether it’s a first time buyer mortgage, a remortgage or any other type of home loan, our experienced mortgage advisors guide you through the process from start to finish.
– We take care of as much of the paperwork as possible dedicating an administration team member to you, who can assist with any questions you have and make sure you start gathering the required information as soon as possible.
– We are authorised and regulated by the Financial Conduct Authority (FCA), so we’re totally impartial. You can be confident that the mortgage options we provide are suited to you and your circumstances. We are also members of the Equity Release Council (ERC), the industry body for equity release mortgages.
Throughout the whole process your team have been nothing but outstanding. A pleasure to deal with in every regard.
Mortgage & Protection Adviser
Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals. Mandy has accumulated an impressive portfolio of happy clients who always return for more help with their lending, as well as regularly recommending her services to their own networks.
Q: Do I need to do mountains of paperwork to get a mortgage?
It’s true that there is plenty of paperwork to do when you apply for a mortgage. Fortunately, when you choose Private Wealth Mortgages you can relax knowing we do the heavy lifting for you. In fact, we have a team of administrators on-hand who can either help guide you through the paperwork required or – when appropriate – complete it on your behalf.
Q: How do I find out if I am eligible for a mortgage as a first-time buyer?
Whether or not you will be approved for a first-time buyer mortgage will depend on a few factors. Generally, a mortgage will be offered based on a multiple of your annual income. However, every mortgage lender has a different set of criteria for providing or issuing mortgages. Another factor in addition to your income is expenditure – your financial commitments or how much you spend on a monthly basis. When looking at the affordability of a mortgage, banks will look at both income and outgoings. They will also carry out a credit check, which will provide them with information on your history as a borrower and any debt you may have on credit cards, store cards or loans outstanding. For more information call one of our friendly advisors for a no obligation chat
Q: How does Equity Release work when buying another property?
Over time, it’s possible that you will build up equity in the property you own. This can happen in two ways: firstly, you can pay down the amount you have borrowed from a mortgage lender over time; and secondly, the value of your property may have increased a percentage. This equity is often accessible to you by increasing your mortgage and many people use this money to invest in another property. More information on Equity Release
Registered in England & Wales, no 5603163
Private Wealth Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number: 445980
Private Wealth Mortgages Ltd, Hillreed House, 54 Queen St, Horsham, West Sussex, RH13 5AD
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