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

At Davidson Associates (Financial Services) our main focus during the mortgage process is to take the stress out of the equation for our clients, keeping you up to date all the way through from start to finish! We provide a whole of market service for 1st charge mortgages which means we have the resources which enable us to find the best deal for you from Lenders across the "whole of market".

If you are thinking of buying a property but are unsure if you are in the financial position to do so why not book an appointment with us today!

Residential

Buying your first or next home can be stressful. There are many questions you will need to ask yourself regarding your choice of property. Then come the mortgage related ones such as:

  • How much will it cost?
  • Can I afford it?
  • How much deposit will I need?
  • What type of mortgage do I want?
  • Will I get a mortgage?

The home loan market is complex. There are so many different mortgages to choose from. So it's good to know that, as your adviser, we are on hand to answer your questions.

We will help you with the tricky process of not only getting a mortgage, but getting the right mortgage. We take pride in offering a personal service that takes into account your individual circumstances.

Your financial situation is unique, so we work hard to understand your goals and aspirations, and make financial recommendations based on a comprehensive and detailed analysis of your needs.

Buy-To-Let

The introduction of assured shorthold tenancies in 1997, which made the rights of tenants and landlords more equal, created the buy-to-let market that exists today. Some say buy-to-let has forced up property prices but there is no doubt it has a part to play as first time buyers are getting older and younger people are renting.

The whole point of buying-to-let is for its investment potential - both capital growth on the value of the property and the income it generates in rent. Buy-to-let lending is to support investment, not home ownership. It is important to note that lenders carry out post-completion checks in relation to scheme abuse to see who is residing at the property.

Buying your first or next investment property can be a daunting prospect. There are many questions you will need to ask yourself:

  • How much will it cost?
  • What return will I get?
  • Can I afford it?
  • How much deposit will I need?
  • What type of mortgage do I want?
  • Will I get a mortgage?

Buy to let mortgages are not regulated by the FCA.

Re-Mortgage

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we trust you will find this guide valuable. Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

It is very similar to the home buying process. That said, as it is not something that you do every day so it is important to ensure you have a clear understanding of the process and your knowledge is up-to-date.

There are many questions you will need to ask yourself:

  • Is it worth doing?
  • How much will setting it up cost?
  • Can I afford it?
  • How will it impact my other borrowing?
  • Can I change the type of mortgage?
  • Can I go elsewhere or do I have to stay with my current lender?
  • Will any employment changes affect this?

Free initial consultation