• Perhaps you are you thinking of buying your first home or potentially moving property

• You could be exploring the idea of buying property for long term investment

• Maybe looking to raise additional funds for home improvements

• Or you could simply be searching for a lower interest rate or fixed deal

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We appreciate that every one of our clients is unique and whatever your budget, age and circumstances let us look to help you.  It is important to start by saying that we are totally independent and have no links or ties to any mortgage lender.  We have access to literally hundreds of lenders across the mortgage market place and therefore are best placed to advise you and source the most appropriate deal for your specific needs.

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When it comes to buying a new home today’s buyers have more choices than ever before.  From a one bedroom flat to a detached mansion, from a new build terraced house to a character cottage, the list is endless.  Your choice of property type needs to be considered in conjunction with location.  So with all these choices how do you start to pick your new home?  In our many years of experience this is typically with the question of "how much can I borrow?".  This will depend on your income, your age, the level of deposit you have available and your credit history.  This is the area where we can really start to help you.

 

Whether you are a first time buyer or are moving house, the process of buying a new home can be a little daunting and sometimes overwhelming however we believe that it should be an exciting and positive time.  We help our clients to find the right mortgage and assist them in making informed decisions to get them on the right path to finding the home and mortgage that is right for them.  We offer a service tailored to your requirements and can be as involved as much, or as little, as you want us to be.  We work with you every step of the way and liase with Estate Agents, Conveyancers and Lenders, keeping you regularly updated.  We can also help with your buildings and contents insurance when the sale has completed, as well as offering life, critical illness and income protection policies to ensure that our clients are, and remain, fully protected.

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It is our belief that property continues to remain a good long-term investment and homeownership offers immediate benefits and long-term value.  Homeowners accumulate wealth for the future, while immediately enjoying the benefits of a home that they can use, personalise, improve and ultimately sell.  If you would like to take advantage of a free, no-obligation chat with us regarding any of your mortgage or property requirements, then please do not hesitate to contact us.

 

We are proud to confirm that JEM Financial Planning Limited holds Associate Firm status with the Society of Mortgage Professionals. Being an Associate firm demonstrates our commitment to a set of core professionalism principles and Code of Ethics.  It symbolises the Society's efforts to deliver a ‘united profession’ approach to building public trust in the sector helping to elevate the importance and value of professional mortgage advice and services.

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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.