Making the wrong mortgage decision when moving home could cost you £1,000's in expenses and interest, which is the reason you should obtain professional advice.
During your initial consultation we will examine your personal and financial circumstances, so we can determine the amount you can borrow and establish the most suitable mortgage for your circumstances.
We will work with your lender, estate agent, and solicitor to ensure that the process runs as smoothly and efficiently as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage
Aside from obtaining the right mortgage for your new home, we can also help you in other areas.
You may have the option to take your current mortgage with you to your new property, known as ‘porting’, however this isn’t always best for you.
If you port your mortgage, you're tying yourself to your present lender, and they then, have little incentive to offer you a good deal.
Not only may you pay a higher rate than if you switched to a new mortgage provider, but they may also not be able to offer you as much money as you'll need and you'll probably wind up with two separate advances, with differing end dates, potentially costing you £1,000's extra in interest.
We will review all of your options, both with your current provider and the whole of the market, to ensure you get the best mortgage for you.
We are impartial and independent, so you can be assured that our recommendation; whether it's staying with your current lender or moving to a new one, is right for you.
It's free to chat with us, if you are happy with our recommendation and you decide to use our service, our typical fee is £395.
This is only becomes payable once we have obtained a formal mortgage offer from the recommended lender.
If you decide not to apply or we can't get the right mortgage for you, then there will be no fees payable.
No Mortgage Offer, No Fee.
Call us: 01420 467460 Text us: 07458 195056 Email us: Luke@lukefernandezmortgages.co.uk
Open today | 09:00 – 17:00 |
We typically charge a fee of £395 for our service, which is payable upon your mortgage being offered.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Luke Fernandez Mortgages is an Appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up with your repayments on your mortgage.
Registered Company Number: 13537486
Registered Address: 70 Frimley Grove Gardens, Frimley, Camberley GU16 7JY.
FCA Registered: reference number: 959731
Copyright © 2022 Luke Fernandez Mortgages - All Rights Reserved
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