Mortgages
Tailored MORTGAGE advice for a complex world
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
01
HELPING YOU TO FIND THE RIGHT MORTGAGE
Whether you are a First Time Buyer, House mover or need a Remortgage – Whatever your situation, we will support you throughout the whole process and find the mortgage most suited to your needs.
Importantly, we have access to offers from Whole of Market, so you can be assured that we can help you to access mortgage products at competitive rates.
We are also part of the Quilter Financial Planning network which provides us with exclusive offers which may not be available via high street lenders.
Your home may be repossessed if you do not keep up repayments on your mortgage.
02
FIRST TIME BUYERS
Buying a home for the first time is probably one of the most exciting and important moments in your life, but in the same time it can be fraught with stress and worry because of the complexity of the whole process.
See more
Here at Vervene Financial Services, we will make sure that the whole process of completing a mortgage is as easy and stress-free as possible.
We will guide you through the whole process from start to completion – explaining all of the different types of mortgages, giving you an understanding of how much you may be able to borrow and providing specific recommendations based on your circumstances.
We can also suggest you a suitable solicitor and we will liaise with your estate agents on your behalf.
Your home may be repossessed if you do not keep up repayments on your mortgage.
03
REMORTGAGES
Whether you want to pay less than for your current mortgage or want to raise some money for home improvements or want to shorten or lengthen your mortgage term or want to consolidate your debts – whatever the reason – remortgaging can make very good economic sense.
See more
A remortgage is a process of switching your current mortgage to a new deal with another lender who can offer you the product that the most suits your needs.
And we can do it for you. We will look at your current deal, your financial circumstances and personal requirements, and search the whole mortgage market to find the most suitable deal for you. We will try to keep your costs down by finding a deal including free legal services or a free survey.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
04
HOME MOVERS
When you decide it’s time to move, we can provide advice on the level of borrowing you may be able to achieve, and also make sure that it is affordable for you.
See more
We will take care of the whole application process, leaving you to worry about finding your next dream house.
Your home may be repossessed if you do not keep up repayments on your mortgage.
05
BUY TO LET
Buying a property to let is becoming increasingly popular as an investment. It is simply where with a “buy to let” mortgage you buy a property specifically to rent out.
See more
As the popularity of this grows so do the mortgage products available. You want your investment to bring you a return, so it is important that you have the right mortgage.
We will make sure that the numbers stack up for you and advise you on the right mortgage for you.
Whether you are looking to buy your first buy-to-let house, or you have a property portfolio, we can potentially save you a lot of time by searching the whole of the market to find the deal that works for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some Buy To Let Mortgages are not regulated by the Financial Conduct Authority.
06
LET TO BUY
A “Let to Buy” mortgage allows you to borrow money to buy a new home to move into whilst keep your existing property to rent out.
This can be particularly useful if you are struggling to sell your existing home and your dream home comes available for you to buy.
See more
Your home may be repossessed if you do not keep up repayments on your mortgage.