If you are looking for a mortgage to buy your first home, remortgage, move home or purchase an investment property, we are here to help. There is so much information available on the internet and it can be very confusing and overwhelming trying to decide which is the best mortgage for you. Understanding the complicated and time consuming application process can seem very daunting.
For most people, taking out a mortgage is the biggest financial commitment you will ever make, so choosing the right product for you is vital. Perhaps you have applied for a mortgage and been declined and you don’t know what to do next.
How can we help you today?
Mortgages
Whether you are a first-time buyer, moving home, need to remortgage or you are buying or remortgaging an investment property (BTL), we can help you. We have access to mortgages across the whole market so can find the most suitable option for you. We will recommend a bespoke mortgage solution tailored to your situation, submit the application to the lender, and keep you informed throughout the whole process ensuring the mortgage offer is issued as fast as possible.
Equity Release
Lifetime mortgages are available to those aged 55+ and offers the ability to release some of the money that is tied up in your home. This can be taken as a one off cash lump sum or you could also choose to reserve some funds for later in the future as and when required. You can choose Equity Release for many reasons, including paying off interest only mortgages, home improvements, private medical treatment, helping loved ones with deposits, a once in a lifetime holiday amongst others.
Insurances
It is vital to have the proper insurances in place, to protect yourself and your loved ones in case something happens to you. Mortgages and insurance go hand-in-hand and because of just how important the right cover is, we offer a free insurance review service. You can also get an instant quote in less than 60 seconds using our online quotation system.
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Wills
Having a valid Will in place is highly recommended and essential to home ownership, to make sure that your share of the home and your other assets get passed to the people you want it to. Understandably, many people put it off, for many reasons, however the rules of intestacy are not ideal for the modern family and can cause a lot of upset to those left behind. We explain all the options in plain English, helping you ensure your family & loved ones are well looked after when you’re no longer around.
Why choose us?
- Everyone is different and our approach is to firstly get an in depth understanding of your unique circumstances and requirements.
- We explain all the different mortgage types available to you and the potential costs involved.
- Advise on your maximum borrowing potential and how much deposit you need.
- Research the whole of the mortgage market for you, including exclusive deals through our partnership with Legal & General Mortgage Club and Stonebridge Group Network, as well as lenders who only deal directly with mortgage brokers. These mortgages won’t show up on comparison sites.
- Present you with our tailor made recommendation ensuring you understand the mortgage in full and all the costs involved.
- Once you are happy to proceed we will take care of all the paperwork and submit the application to the chosen mortgage lender. We will keep you informed every step of the way so you know where you are in the process and what happens next.
Here are some links to more information The Buying Process, Your Credit File – Know the Basics and 5 Top Tips to Improve your Credit Score.
CONTACT US FOR A FREE, NO OBLIGATION CHAT
Willowgate Finance Ltd will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.
Why do you need my data and what will it be used for?
We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we collect is processed by our staff in the UK.
How long do you keep my data for?
We may store your data for up to six yers past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to the processing of your data. To do this please contact monique@willowgatefinance.co.uk
Who is my data shared with?
Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.
What are my rights?
You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at monique@willowgatefinance.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk