MORTGAGES

T&R provide fully independent mortgage advice, sourcing the most appropriate lenders and mortgage products from a ‘whole of market’ search. We have access to thousands of schemes to suit everyone’s financial circumstances, and with a combination of wide experience and technology we aim to provide the best service possible.

Our Mortgage Services include:

• Residential
• Buy to Let
• Lifetime Mortgages and Equity Release

We have excellent administrative support staff, using a wide range of technology to deliver a superior service to all our clients.

Your home may be repossessed if you do not keep up repayments on your mortgage. Not all of the products and services detailed are regulated by the Financial Services Authority, and consequently would not be covered by either the Financial Ombudsman Service or the Financial Services Compensation Scheme. The value of investments and any income from them may go down as well as up and you may get back less than the value of your investment

Fees will be charged for the arrangement of a mortgage. Fees may vary and will depend upon your circumstances, but we estimate that a typical fee for a residential mortgage would be 1% of the amount borrowed, or where we are able to retain commission paid by the lender, a fixed fee of £350.

For Lifetime Mortgages a typical fee of 2% of the amount borrowed will apply, subject to a minimum of £1000. Where we are able to retain commission paid by the lender, a fee of £695 will apply.

Full details of all fee options will be given to you before you commit to a mortgage arrangement. Fees are subject to vat.

Please contact Andy Wilson for mortgage advice.