Moneybox Financial, Mortgages, Remortgages, Secured Loans, Debt Consolidation, Refinance, Insurance, Wills.
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Moneybox Financial, Mortgages, Remortgages, Secured Loans, Debt Consolidation, Refinance, Insurance, Wills.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. All initial consultations are free of charge and we don't charge a fee for advice. If we arrange a mortgage, we don't typically charge a fee. However, depending on your circumstances we may charge a fee of up to 1.5% of the mortgage amount. A remortgage is where you move your existing mortgage from your current lender to a new lender. This could be for any number of reasons:
If you are looking for a remortgage we can help. We work from the whole of market so speak to one of our qualified remortgage specialists today and they will aim to find the most suitable remortgage on the market for your circumstances. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
A first time buyer is someone buying a home for the first time. Some lenders will class you as a first time buyer if you have previously owned a property, but not within the last 12 months. When you are buying a house for the first time, there are a lot of things you need to be aware of, such as any fees you may have to pay. Buying your first home can be a very stressful experience. Let us help you through this difficult time. We can help you through the process, giving you advice at every turn, taking as much pressure off you as we can. We will also make you aware of any fees you may incur along the way such as: We have access to most main lenders on the market so our fully qualified advisers can find the right deal for your circumstances.
A next time buyer mortgage is designed for someone who is selling their existing home and buying a new one. If you are not porting your existing mortgage over to the new property you will require a new mortgage, where it could be a:
We can help you find the right mortgage for your circumstances, so speak to one of our fully qualified advisers today.
A right to buy is where you buy the property
you live in, which you are currently renting from your local council.
If you have been a tenant before 18 January 2005 and
have spent at least 2 years as a secure tenant (either
with a Council, a Housing Association, or certain other public
bodies) you can purchase your home at a discounted price. Although any of these issues will reduce the amount of lenders who will consider you for a mortgage and will also affect your rate, we can help you. We work from the whole of market and within our panel we have a number of lenders who are happy to consider people with previous or current credit problems; so let us help you find the right mortgage. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Buy to let is where you buy a property, not with the intention of living in it yourself, but renting it out as an investment. There is however no guarantee that it will be possible to arrange continuous letting of the property, nor that the rental income will be sufficient to meet the cost of the mortgage. If you are interested in finding out more about buy to let mortgages speak to one of our advisers. Some buy to let mortgages are not regulated by the Financial Services Authority.
Shared ownership is where you buy a percentage of your home from either a local authority or housing association and pay rent on the percentage you do not own. You also have the ability in most cases to buy further shares in the property at a later date until you own the whole property. This is a good way of helping people to get onto the housing ladder, who otherwise would not be able to afford to do so. If you are interested in finding out more about shared ownership mortgages or are looking for the most suitable deal on the market for your needs, then talk to one of our fully qualified advisers.
If you have had problems in the past with repaying your credit or are currently experiencing financial difficulties resulting in one of the following: this is what is known as a bad or poor credit history. Although this will not necessarily stop you from getting a mortgage, it will reduce the number of lenders who will be willing to consider your circumstances. We work from the whole of market and there are numerous lenders we deal with who would be happy to consider your circumstances. You may, however, have to pay a higher rate than on the high street. If you are unable to obtain a mortgage, let us use our expertise to help get you a mortgage now and assist you with repairing your credit record. In turn this should help you to get a better mortgage deal in the future. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
A self certification mortgage is where you have difficulties in proving your income or you have income from various sources. Not all lenders offer a self certified option and you will normally pay a higher rate of interest because of the increased risk to the lender. It is therefore best not to self certify unless you really have to. If you want more information on self certification mortgages, talk to one of our advisers and they will be able to help and confirm if a self certification mortgage is the most suitable option for you. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
A secured loan is where you take out a loan on your home which is not directly connected to your mortgage. Unlike a personal loan, the lender secures the debt against your home as a second charge. Next to a mortgage, a secured loan is usually the cheapest way to raise money. If you are tied into your current mortgage, you may have to pay an early repayment charge if you repay your mortgage early. A secured loan may be a cheaper option. Alternatively, a secured loan can be beneficial if you wish to borrow additional monies over a shorter term than your mortgage. So if you are looking to borrow money for any of the following reasons: talk to one of our advisers today and they will be able to advise you if a secured loan is your best option. It is important to remember that although your monthly payments would normally decrease, the overall cost you would pay, could increase by putting these debts over a longer term. Alternatively, if you do not want advice then you can apply online. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk is authorised and regulated by the Financial Services Authority. A typical fee for arranging a secured loan is £1405.
A commercial mortgage is where you borrow money for business purposes and secure it against your business premises. Obtaining the right commercial mortgage can be a tricky and time consuming business if you are not familiar with the process. Let us help you. We have access to a panel of commercial mortgage lenders who will consider most circumstances. We have access to trained professionals who will help you from start to finish and find the right mortgage for your needs. Our aim is to process your applications speedily, professionally and with minimum fuss. Commercial mortgages are not regulated by the Financial Services Authority.
When taking out a mortgage, secured loan or any other debt, it is important to make sure that you and your family are protected. In the event of death, critical illness, long term sickness or redundancy, and if you are eligible to claim, the right amount of cover could help to pay mortgage payments or the whole debt. We offer the following insurances exclusively from Legal & General:
If you and your family are not protected in these areas and would like some advice, speak to one of our fully qualified advisers and they will assess your needs and circumstances and find the most suitable way to protect you within your budget.
A Will is a legal document which sets out how you wish your estate to be divided, upon your death. If you do not have a Will in place upon death, then you are said to have died intestate. This means that your possessions will be distributed according to the laws of intestacy. If you do not have a Will or your Will is out of date act now. Complete our simple form and a qualified professional will contact you to discuss your needs.
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