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 releasing equity in retirement
• Commercial Mortgages and finance

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

A fee of £350 will be payable when you apply for a mortgage. We will also be paid commission or fees from the lender.

A fee of £500 will be payable when you apply for a Buy-to let mortgage. We will also be paid commission or fees from the lender.

A fee of £695 will be payable when you apply for a Lifetime mortgage. We will also be paid commission or fees from the lender.

Or

A fee of 1% (1.25% for Lifetime mortgages) of the loan value subject to a minimum of £750 (£1,000 for Buy-to Let and Lifetime mortgages) will be payable when you apply for a mortgage. Any commission or fee that we receive from the lender will be refunded to you. As an example a £150,000 mortgage or buy to let loan would cost £1,500 and a £150,000 equity release loan would cost £1,875.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

Refund of fees

If we charge you a fee, and your mortgage does not go ahead, you will receive a partial refund if the lender rejects your application. We will retain £100 to cover our administration costs.

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

To understand the features and risks of a lifetime mortgage ask for a personalised illustration.

The Financial Services Authority does not regulate commercial mortgages and some forms of buy to let mortgages.

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