Mortgages

Mortgages

Despite the trading style, Lifetime Mortgages don’t just deal with Equity Release. Quite the opposite, we built our reputation and client base, (people keep coming back and also refer their friends, the ultimate compliment), by offering clear, honest advice in ‘plain English’ for all types of mortgages. We take immense pride in our friendly and relaxed approach, we’ll take our time to establish your needs and goals and do our very best to come up with the best solution for your personal circumstances.

Please note we are not tied in with Estate agents or introducers, we act for YOU and nobody else.

Our advice is FREE. We sometimes charge for arranging mortgages (depending on your circumstances and the work involved) but we will establish terms of engagement at our meeting. We charge NO FEES upfront (with the exception of Equity Release) and even then we would only charge a fee at the end when the mortgage COMPLETES.

No deal no fee, it’s simple.

Mortgage Types

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FIRST TIME BUYERS

We particularly enjoy working with first time buyers and helping you through every step of the home buying process.  We recognise you will probably need that little bit of extra help on your first purchase. We’ll be happy to explain everything stage by stage and put you at your ease.

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HOME MOVERS

With so many different schemes and so many lenders competing for your business it makes sense to firstly, and most importantly, establish a budget and look at our affordability charts to ensure we can help you can raise funds at the best rate available before you begin your house hunting.

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BUY TO LET & LET TO BUY

We have years of experience assisting the investment buyer and have access to all the mainstream lenders as well as specialist lenders (not on the high street) who are only active in the buy to let market. It’s got tougher in recent years, but we are still getting mortgages approved at a very healthy rate. Give us a call and we will establish very quickly whether we can help, you will get a straight answer whatever that may be, in the majority of cases it is generally YES.

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PROBLEM MORTGAGE?

Many people have less than a perfect credit rating, often through something minor which stops their bank or building society from lending, often not their fault. We operate on the principle that we like to help people, but only if they can afford the mortgage and can prove it. Over stretching a client who then gets into trouble is something we will avoid at all costs. A CCJ, default or arrears isn’t necessarily the end of the road, circumstances vary, so if you’ve had problems in the past and they are hampering your efforts to obtain mortgage funding give us a call, let’s see what can be done?

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REMORTGAGES

Are you looking for a better rate or to raise capital for home improvements, debt consolidation. We have access to practically every mortgage lender you have ever heard of and plenty you probably haven’t. Let us do the work for you and it’s worth mentioning again, we offer a FREE initial consultation.

DISCLAIMER

EQUITY RELEASE: An Equity Release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits. To understand the features and risks please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt seek independent advice.
John Murphy is the Principle of Lifetime Mortgages. Mortgage Search trading as LIFETIME MORTGAGES is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

MORTGAGES & DEBT CONSOLIDATION:
• YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
• Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service, these services may be more suitable for you.
• The Financial Conduct Authority does not regulate most buy to let mortgages.
FEES: We typically charge a fee of £299 for our mortgage services, which is payable upon completion. For our Equity Release Advice we charge a fee of up to £750 payable upfront. Our typical fee is £299.