Perhaps you are thinking of buying your first home?
Thinking of moving property?
Exploring the idea of buying a property (or properties) as an investment?
Extending or improving your current property?
Looking to raise additional funds?
Simply searching for a lower interest rate or fixed deal?
Perhaps you have concerns about historical credit problems?
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 place to advise you and source the most appropriate deal for your needs.
When it comes to buying a new home, today’s buyers are faced with 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 and we are extremely fortunate with so many desirable locations available within the areas that we cover.
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 typically depends 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 at JEM Financial Planning 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.
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.
To calculate the amount of Stamp Duty that you will have to pay, if any, using your own circumstances when buying a property please click here;
Please remember that your home or property may be repossessed if you do not keep up repayments on your mortgage.